1. Enter the name of the spending category (e.g., Groceries, Dining, Travel).
2. Input your estimated monthly spending for each category in dollars.
3. Specify the cashback rate offered by your credit card for each category (as a percentage).
4. Add additional categories by clicking the "Add Another Category" button.
5. Enter the card's annual fee, sign-up bonus, and the spending threshold required to qualify for the bonus.
6. Click "Calculate Cashback" to see your monthly and yearly cashback earnings, including sign-up bonuses and fees.