# Cashback calculator — spend needed to earn A$20

- Canonical: https://savysaver.com.au/cashback-calculator/
- Updated: 17 September 2026
- Interactive HTML tool: https://savysaver.com.au/cashback-calculator/

The ShopBack referral bonus asks you to **earn** A$20 Cashback, not spend A$20.

Formula:

```
required eligible spend = Cashback target ÷ (rate ÷ 100)
```

## Worked examples for a A$20 target

| Illustrative rate | Spend to earn A$20 | Where you might see it |
| --- | --- | --- |
| 1% | A$2,000 | Some grocery and everyday rates |
| 2% | A$1,000 | Electronics, some marketplaces |
| 5% | A$400 | Travel and selected retail |
| 8% | A$250 | Fashion promotions |
| 10% | A$200 | Occasional high-rate campaigns |

These are teaching numbers, not a live ShopBack catalogue. Rates, caps, excluded items and failed tracking change the result. Buy what you already need.