Your Monthly Spending
Your Credit Card
Target Destination
How the calculator works
- → Enter your real monthly spending in each category
- → Select the card you have (or are considering)
- → Choose your dream destination and number of travellers
- → See exactly how many months until you fly free
Not sure which card to pick?
Try the calculator with different cards to see which earns the most points for your specific spending pattern.
Read the Getting Started guide →Calculator FAQ
The calculator uses current 2026 earn rates for each card and standard Aeroplan award pricing for each destination. Point costs for flights vary based on dates, availability, and Aeroplan dynamic pricing — treat these as realistic estimates, not guarantees. Always verify on aeroplan.com before planning.
The monthly and annual calculations show ongoing earn from spending only. Welcome bonuses are shown separately as a note — they are one-time and can dramatically accelerate your first redemption.
The calculator uses 1.5 cents per point as a conservative average for flight redemptions. Premium cabin redemptions can be worth 2-4 cents per point. Merchandise and statement credits are worth less than 1 cent — always redeem for flights.
Yes — Aeroplan Family Sharing lets you pool points with up to 7 family members. If you and your partner both hold Aeroplan cards, multiply the monthly earn by 2 and you reach your goal in roughly half the time.
How to Use This Calculator to Plan Your First Free Family Flight
Most Canadian families are already earning travel points — they just don't know it. If you're spending $2,000 a month on groceries, gas, and everyday purchases, you're generating hundreds of dollars in potential travel value every month. This calculator shows you exactly how much.
The most important variable is your card choice. The difference between a basic 1x card and the Amex Cobalt's 5x on groceries is enormous — a family spending $1,200/month on groceries earns 1,200 points on a basic card vs. 6,000 points on the Cobalt. That's the difference between earning a domestic flight in 25 months vs. 5 months.
Try different cards in the calculator to find the best fit for your spending pattern. Then visit the Ms Miles Card Finder to compare the full details — welcome bonuses, annual fees, and honest family reviews — before applying.