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Cash versus store credit

HelperHusky · Canadian seller tools

Cash vs Store Credit

Compare a cash offer and a store-credit offer for the same items. Credit has purchasing value here only for an equivalent purchase you already intend to make. Enter actual CAD offers and checkout totals; no automatic bonus is assumed.

For a planned purchase, use equivalent goods, quantity and condition in both paths. Purchase totals include applicable sales tax and discounts but exclude shipping; enter shipping separately including tax. Verify how much of the store purchase can actually be covered by credit after tax and discount rules. This model treats shipping as cash-only. Enter handoff costs once for each alternative route. Do not spend more merely to use credit.

Use plain decimal amounts with up to two places, from 0 to 1,000,000. No commas, currency symbols, minus signs or scientific notation. Required cost fields need an explicit 0 for zero cost; blank does not mean free.

Offers and handoff costs

Cash offer (CAD)

Store-credit face amount (CAD)

Cash-route handoff costs including applicable tax (CAD)

Credit-route handoff costs including applicable tax (CAD)

Is this an equivalent purchase you already plan to make?

With Yes, all five purchase fields are required. With No, leave them blank: unused credit receives no cash value.

Equivalent planned purchase

Store purchase total including tax, excluding shipping (CAD)

Verified credit-eligible part of store purchase (CAD)

Store purchase shipping, paid in cash including tax (CAD)

Equivalent purchase using cash, including tax excluding shipping (CAD)

Cash alternative shipping including tax (CAD)

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This tool’s code calculates locally without sending or storing entries. Other website scripts are outside this statement.

Math and limits

Credit redeemed = the smaller of the offered credit and the verified eligible purchase amount. Store out of pocket = store purchase total + store shipping − credit redeemed. Cash alternative total = cash purchase total + cash shipping. Credit cash-equivalent benefit = cash alternative total − store out of pocket − credit handoff costs. Cash net offer = cash offer − cash handoff costs. Compare those benefits, or equivalently compare each path’s remaining cash after making the same planned purchase. A negative balance is cash you must contribute. Leftover credit has no assumed cash value. No purchase planned means no purchase benefit is assigned; purchase entries are ignored in the calculation but must be valid if supplied. Future spending, investment returns, income tax, resale value, expiry and restrictions are not modelled.

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