It pays to pay with Onestpay
Pay off your mortgage earlier
Put cashback toward extra principal payments and work toward owning your home sooner.
Open calculator →Your cashback. Your next chapter.$0
$0
out of your pocket.
Your spending can power your path to wealth. Use the cashback from your everyday purchases to work toward your goals—with $0 in additional contributions from your pocket. Put the cashback you earn toward reducing debt, building savings or investing for the future. No need to increase your spending.
Explore your Path to Wealth →Let your rewards do the extra work.
You already spend on everyday purchases. Direct the cashback you earn toward a financial goal, rather than setting aside additional money from your pocket. The examples below use only your estimated cashback as the extra contribution.
Enter your monthly cashback estimate
Enter the amount you expect to set aside each month. Need an estimate? Use the cashback calculator → The $60 sample below is illustrative; it is not a promised reward.
Give your rewards a purposeChoose your goal.
Choose your goal.
See what cashback could change.
Every cashback dollar can support a goal that matters to you. Consider putting your rewards toward reducing debt or adding to long-term savings.
Pay off your car loan earlier
Use cashback for additional loan payments and reduce your remaining balance.
Open calculator →Pay off your student loan earlier
Direct cashback toward your student-loan balance and keep moving toward your payoff goal.
Open calculator →Pay down credit-card debt
Apply cashback toward your credit-card balance and work toward becoming debt-free.
Open calculator →Build your retirement fund
Set cashback aside for retirement and make saving a regular habit.
Open calculator →Build college savings
Set cashback aside for future tuition, books and education expenses.
Open calculator →Build your investments
Contribute cashback regularly and explore its potential over time.
Open calculator →Save for a home down payment
Put cashback toward the down payment on your future home.
Open calculator →These are ideas for using your rewards, not automatic OnestPay services. Each illustration applies the full monthly cashback estimate to one goal. Any payments or contributions must be arranged separately. Consider your loan terms and retirement-account rules before making additional payments or contributions.
Learn as you plan
Ideas for every path to wealth
Explore three blog previews for each of your eight financial goals.
🏠 Mortgage Payoff
Open calculator →Blog preview · Mortgage Payoff
How Extra Principal Payments Change Your Mortgage
See why reducing your principal can affect future interest and your payoff timeline.
Blog preview · Mortgage Payoff
Turn Everyday Cashback into Mortgage Progress
Explore the difference a consistent monthly cashback contribution could make.
Blog preview · Mortgage Payoff
Understanding Your Mortgage Payoff Estimate
Learn how balance, interest rate, remaining term and payment shape the calculation.
🚗 Car Loan Payoff
Open calculator →Blog preview · Car Loan Payoff
How Extra Payments Affect a Car Loan
Understand how a little extra principal can change your remaining loan balance.
Blog preview · Car Loan Payoff
Give Your Car Loan a Cashback Boost
Use the calculator to compare regular payments with cashback added each month.
Blog preview · Car Loan Payoff
Reading Your Auto Loan Payoff Results
Understand time saved, interest saved and the assumptions behind your estimate.
🎓 Student Loan Payoff
Open calculator →Blog preview · Student Loan Payoff
Understanding Student Loan Payoff Math
See how loan balance, rate and fixed monthly payments influence repayment.
Blog preview · Student Loan Payoff
Put Cashback Toward Your Student Loan Goal
Explore a repayment scenario funded by the rewards from everyday purchases.
Blog preview · Student Loan Payoff
What Your Student Loan Estimate Includes
Learn what a simplified payoff comparison measures and what it leaves out.
💳 Credit-Card Payoff
Open calculator →Blog preview · Credit-Card Payoff
Why Fixed Payments Matter in a Payoff Estimate
Understand why this calculator assumes a consistent payment and no new purchases.
Blog preview · Credit-Card Payoff
Using Cashback to Reduce Credit-Card Interest
Compare repayment with and without an extra monthly cashback contribution.
Blog preview · Credit-Card Payoff
Making Sense of Your Debt Payoff Timeline
Understand the relationship between your balance, interest rate and monthly payment.
🌱 Retirement Savings
Open calculator →Blog preview · Retirement Savings
The Power of Time in a Retirement Illustration
See how the years between your current age and retirement affect the projection.
Blog preview · Retirement Savings
Understanding the 5%, 7.5% and 10% Scenarios
Learn why assumed annual returns are illustrations rather than forecasts.
Blog preview · Retirement Savings
From Everyday Cashback to Retirement Savings
Explore how regular contributions and hypothetical growth combine over time.
📚 College Savings
Open calculator →Blog preview · College Savings
Start with Your Years Until College
Understand how your planning horizon changes a college savings estimate.
Blog preview · College Savings
Build a College Fund with Everyday Cashback
See how regular rewards can become a recurring contribution toward education.
Blog preview · College Savings
Reading Your College Savings Projection
Separate cashback contributions from hypothetical investment growth.
📈 Investments
Open calculator →Blog preview · Investments
How Recurring Contributions Build Over Time
Explore the effect of adding the same amount at the end of each month.
Blog preview · Investments
Comparing Illustrative Investment Returns
Understand why different return assumptions produce different outcomes.
Blog preview · Investments
Your Cashback Investment Estimate Explained
Learn how contributions, time and assumed growth shape your result.
🔑 Home Down Payment
Open calculator →Blog preview · Home Down Payment
Build a Down Payment One Month at a Time
See how your years and months of contributions shape a projected down payment.
Blog preview · Home Down Payment
What a 20% Down Payment Illustration Means
Understand the additional housing amount shown by dividing savings by 20%.
Blog preview · Home Down Payment
From Cashback to Your Home-Buying Goal
Explore a savings scenario while keeping mortgage affordability separate.
Editorial previews for planned blog articles.