The Upgrade Blueprint
Eight calculators built from ten years of collecting Avios and hotel points in the UK. Each one answers a question people get wrong, and gets it wrong expensively.
No signup needed to use any of them. Figures last checked September 2026.
Tell it what you spend in a normal month and it tells you which card to start with, whether you will actually clear the welcome bonus, and where you land at day 90. Built on a comparison of every UK points card worth holding.
Build my 90 days → ValuationYour bank will buy your points back at the floor. A good redemption is worth several times that. Put in your balances and see the gap.
Show me the gap → DeadlinesPoints rarely vanish because you spent them badly. They vanish because nobody touched the account. Check every clock at once.
Check my clocks → The 1p testAvios cost, cash fees, cash fare. Out comes the pence per point and a straight verdict on whether to book it or pay cash and keep the points.
Run the numbers → Timing355 days before each flight, outbound and return on different days. Put in your dates or pick a school holiday and get both release dates with a calendar reminder.
Get my dates → ConversionThe 400 to 250 maths in both directions, what the points are worth at the end, and a straight answer on whether to move them.
Do the maths → HotelsMarriott and Hilton give you the fifth night free on points. See the real cost of your stay, and whether to book five, ten, or pay cash for the odd night.
Work it out → 2-for-1Every British Airways destination from London, with what the voucher actually saves you on each one. Most holders never use it.
Value my voucher →These calculators answer one question each. The Starter Guide is the order to do things in: the 90-day plan, the cards worth holding, and the mistakes that quietly cost people their points. Free, and it arrives in a minute.
The guide, then occasional emails about UK points and travel. Unsubscribe whenever you like.
Check your inbox and click the confirmation link. The guide lands as soon as you do.
34 pages on every UK card worth holding, the order to take them in, real redemptions with the numbers actually paid, and the transfer mistake that cost me thousands. £29 with the points tracker and card comparison spreadsheets included, free updates whenever the programmes change. And they change often. Also on Kindle and in paperback.
The Upgrade Blueprint →
Educational content about travel loyalty programmes. Not financial advice. Card terms, welcome bonuses and points valuations change without notice, and eligibility depends on your own circumstances and credit file. Always check the issuer's own site before applying, and verify award pricing at ba.com before booking. Applying for credit affects your credit file.
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