Referral Earnings Calculator
Work out how much you can earn from referrals before you share a single link. Enter how many friends or followers you expect to refer each month, pick how you want to be paid, and this referral bonus calculator estimates your monthly and yearly earnings using the referral amounts RefPerks has verified across 52 programs.
Every figure comes from a real listing — no invented numbers. Apps that pay per referral publish very different terms: some pay cash, some pay free stock or crypto, some cap you at 10 referrals a year, and some are unlimited. The calculator ranks cash referral programs and every other payout type by what they would actually pay you at your volume, then links straight through to the full terms.
Estimate your referral earnings
Change any input and the estimates update instantly. Programs that do not publish a dollar value are still listed, labelled as unpublished rather than given a guessed number.
Best match: American Express Gold Card at roughly $375–$1,125 per month ($4,500–$13,500 per year) from 5 referrals a month at 50% completion. Showing 6 of 52 matching programs.
American Express Gold Card
15,000 Membership Rewards points- Estimated per month
- $375–$1,125
- Estimated per year
- $4,500–$13,500
- Qualifying referrals counted
- 2.5 per month
- Referral cap: until you hit the 100,000-point yearly cap (not applied to this estimate).
- Earnings cap: 100,000 points/calendar year (not applied to this estimate).
Airbnb
~$200 cash per host- Estimated per month
- $250–$500
- Estimated per year
- $3,000–$6,000
- Qualifying referrals counted
- 2.5 per month
- Referral cap: 25 hosts per type (not applied to this estimate).
- Earnings cap: varies by location (not applied to this estimate).
MasterClass
Free membership to gift- Estimated per month
- $150–$300
- Estimated per year
- $1,800–$3,600
- Qualifying referrals counted
- 2.5 per month
- Referral cap: varies by promotion (not applied to this estimate).
- Earnings cap: Varies by promotion (not applied to this estimate).
Moomoo
~$100 in stock per friend- Estimated per month
- $83–$292
- Estimated per year
- $1,000–$3,500
- Qualifying referrals counted
- 0.8 per month
- Earnings cap: Varies by promotion (10-referral limit) (not applied to this estimate).
Webull
Free stocks (varies by promotion)- Estimated per month
- $5–$250
- Estimated per year
- $60–$3,000
- Qualifying referrals counted
- 0.8 per month
- Earnings cap: Varies by current promotion (10-referral limit) (not applied to this estimate).
Chime
$100- Estimated per month
- $250
- Estimated per year
- $3,000
- Qualifying referrals counted
- 2.5 per month
Estimates are approximate. They multiply the referral bonus amounts we last verified by the volume you enter, and apply published referral or earnings caps only when the program states them clearly. These are referral-program terms as last verified by RefPerks — not financial, tax, or betting advice, and not a guarantee of payout. Providers change reward amounts, caps, and eligibility without notice, so confirm the current terms with the provider before sharing your link.
How this referral earnings calculator works
The math is deliberately simple so you can sanity-check it: referrals per month, multiplied by the share that complete the qualifying action, multiplied by the verified referral bonus for that program. Yearly earnings are the monthly figure over twelve months.
- Fixed bonuses — a program paying a flat $50 per referral shows a single number.
- Bonus ranges — programs that pay, say, $10 to $100 show a range, not a best case dressed up as typical.
- Recurring and commission programs — the estimate counts the first payout only, so real earnings from recurring commissions can run higher.
- Caps — a stated cap such as 10 referrals per year or $500 per year limits the estimate. Vague caps are shown as a note instead of being applied.
- Unpublished payouts — programs without a published dollar value are flagged, never estimated.
These are estimates, not promises. Referral program terms change often — verify the current offer with the provider before you start sharing.
Where the highest referral earnings are
Once you know your target, go straight to the programs that pay it.
Calculate earnings by category
Prefer to browse first? See every refer-and-earn program grouped by payout type, the full referral program directory, or side-by-side referral bonus comparisons.
Referral earnings calculator FAQ
- How much can I earn from referrals?
- It depends on the program and how many people you refer. Banking, investing, and business software programs commonly pay $25 to $200 per qualifying referral, while food delivery and ride-share apps pay smaller credits. Enter your expected referrals per month in the calculator above and it multiplies them by the verified bonus range for each program, applies any published referral or earnings cap, and shows an estimated monthly and yearly total.
- How does the referral earnings calculator work?
- The calculator takes the referrals you expect to send each month, the share of them that complete the qualifying action, and multiplies that by the referral bonus amounts RefPerks last verified for each program. Programs that publish a bonus range are shown as a range. Where a program states a referral cap (for example 10 per year) or an earnings cap (for example $500 per year), the estimate is limited to that cap.
- Are these referral earnings estimates guaranteed?
- No. They are approximate estimates based on publicly published referral terms as of the last verification date on each listing. Providers change bonus amounts, caps, and eligibility rules without notice, and payouts only happen when your referral completes the qualifying action. Always confirm current terms with the provider before you share your link.
- Which referral programs pay the most per referral?
- Set the calculator to 'Any payout type' and 'Any category' and it ranks the programs we track by estimated yearly earnings at your referral volume. Cash payouts from banking and investing apps usually top the list, while recurring commission programs in business software can earn more over time than the first-payout estimate shows.
- What is a realistic referral completion rate?
- Most referral links convert well below 100 percent because the friend has to sign up and complete a qualifying action such as a deposit or first order. Sharing with people who would genuinely use the product converts far better than posting a link publicly. Running the calculator at 25 to 50 percent completion gives a more realistic picture than assuming everyone converts.
- Do referral programs limit how much I can earn?
- Many do. Some cap the number of referrals per year or per month, others cap total payout — commonly $500 per year for banking bonuses. Others are genuinely unlimited, which is where the biggest earnings come from. The calculator applies caps when a program states them clearly and flags the cap text when it is too vague to apply.