I have 222,226 KrisFlyer Miles as of time of writing, plus unconverted bank points sitting across three cards. HSBC Revolution, Citi Rewards, DBS Altitude. When my wife and I talk about our next trip, the same routine kicks in.
- Open the Singapore Airlines app for my balance
- Determine the KrisFlyer Miles that are expiring monthly for next 36 months
- Log into banks for reward points balance
- Run the block-size conversions in my head
- Pull up the award chart PDFs and look for Saver awards
- Multiply by 2-pax, round-trip
- Compare
I used spreadsheets and Notion for a long time. They worked fine as no-code tools. If SQ updated the award chart or a bank changed its conversion rate, then I’d rebuild the formulas.
But the tools weren’t the real problem. The annoying thing was the routine itself. Slow, manual, and I had to redo it from scratch every time we discussed a trip. There was no single view that told me “here’s where you can fly with what you have.”
I lacked the knowledge to build something better. AI changed that and allowed me to build my own tool.
It’s free, hosted on this blog, and runs in your browser. Enter your KrisFlyer balance, add your bank cards (or programs like HeyMax, Yuu and Kris+), and see which destinations you can afford in seconds.
The free web app I built is here. This post walks through what it does, how to use it, and what it isn’t.
My personal view, not financial advice. Some links may earn me a referral commission.
Investing involves risk, past performance doesn’t guarantee future results, and you should do your own research. While efforts are made to ensure the accuracy of content at the time of publication, I am not responsible for any errors, omissions, or outdated information.
Maximising your air miles?
Complete Personal Finance Guide
Your master blueprint for building wealth
Complete Air Miles & KrisFlyer Guide
Unlock free flights and business class upgrades
KrisFlyer Miles Expiry Calculator
Know instantly how many miles expire, and when
KrisFlyer Miles Redemption Calculator
Manage your balance and see every flight you can book
Doing The Same Check, Every Trip
My current simple 3-card strategy earns miles across three banks. HSBC for contactless, Citi for online, DBS for general spend. Three different banks, three different point systems, three different conversion rates and block sizes.
The question I’m answering: can I afford [cabin class] to [country/city] via [airline]?
The answer requires pulling numbers from different places (KrisFlyer balance, plus each bank’s reward portal), converting each bank’s points to miles using their specific block sizes, adding them up, then comparing against the SQ and Scoot award charts for two passengers.
That’s a lot of spreadsheet tables for a question I ask regularly.
I tracked this online (e.g. Google Sheets, Notion) for years. The data went stale quickly. The conversion rates sat in my head or in some bookmarked PDF. A few times I caught myself re-doing the same calculation I did a few weeks ago because I couldn’t remember the answer.
The checking ritual took maybe 5 to 10 minutes each time. Not painful, but annoying enough that I’d put it off sometimes. And when I put it off, miles would sit there doing nothing.
I wanted a tool that answers the question instantly. So I built one.
How My KrisFlyer Miles Calculator Works
Three steps. Full visibility in less than a minute.
Step 1: Enter your KrisFlyer balance.
Log into your KrisFlyer account and grab your total miles. Plug that number into the calculator.
Step 2: Pick your cards and programs.
The calculator supports most major Singapore bank cards (DBS, HSBC, Citi, OCBC, UOB, SCB, Maybank, BOC) and a few non-bank programs (Amex, Kris+, HeyMax, Yuu). First-time visitors see a sample setup. Add or remove cards to match your wallet. I also added the non-bank programs because I use them myself.
Enter the reward points that you have. The calculator handles the conversion math: block sizes, minimum transfers, stranded points. Each display card shows how many miles you’ll get and how many points are left over (stranded because they don’t fill the next block).
FYI, HeyMax is a bit unusual. Because direct conversion to KrisFlyer Miles doesn’t exist, we need to convert Max Miles to Yuu Points, then from Yuu Points to KrisFlyer Miles. The calculator handles that math for you, and a tooltip explains the conversion chain if you’re curious.
Step 3: Browse destinations.
Below the inputs, a table covers over a hundred destinations across SQ and Scoot. Filter by airline, cabin class, award type (Saver or Advantage), region, and number of passengers. Type a city, country, or airport name in the search box. “Bali” finds Denpasar. “Thailand” gives you Bangkok, Chiang Mai, Phuket, and more.
Each destination row shows a status:
- Redeemable (you can afford it)
- So Close (90% or more of the way there)
- Out of Reach (with the shortfall amount so you know how far off you are).
To save you the hassle, star your favourite destinations for future reference. The Favourites filter shows only your starred rows. I have Tokyo, Seoul, and a few SEA cities like Bangkok as my favourites. Those are the ones I check every time I launch the tool.
I kept using it after building it, and the annoyances turned into features.
Try The KrisFlyer Miles Calculator (Live)
Add your KrisFlyer balance and bank cards below, then browse the destinations you can afford. It updates instantly. Nothing leaves your browser.
The Features I Built For Myself
What you see in the calculator today came from me using it and finding friction.
Card colours. I have three cards side by side, and they looked identical. I added a colour picker with pastel options for each card. Now HSBC is pink, DBS is red, Citi is blue. I can glance at the cards and know which is which without reading the header.
Card reorder. After adding a fourth card (Citi PremierMiles, my backup), the order bothered me. The cards I use most should be on the left. I added arrow buttons in the picker so you can shuffle cards into the order that makes sense to you.
Lock mode. I kept accidentally tapping my point balances on mobile and wiping the field. Lock mode (another gear menu checkbox) freezes all inputs. A small lock icon appears beside the gear button. Tap it to unlock when you want to edit.
Compact mode. Each card shows a status message (“Need 24,999 more for next block”) and a “More info” section with conversion details. Useful when you’re learning the tool. Annoying when you’ve used it fifty times and you just want the number. Compact mode (a checkbox in the gear menu) hides all that, leaving only the card header and your miles conversion. The cards shrink to about half their height.
Import and Export. Want to save your setup? The gear menu lets you export your setup (cards, balances, colours, card order, favourites, compact/lock preferences) as a JSON file. Import it on another device. Hit Reset to start fresh.
Shareable URLs. The URL updates as you type. Every card, every balance, every filter, encoded in the link. Bookmark your exact scenario, or send it to your travel partner. They’ll see the same setup, same numbers, same filters.
I built all of this with AI. It started as a minimal viable product that only had the 3 cards that I use. It does the job, but it evolved. The rest of this post covers what it handles under the hood, and what it doesn’t try to do.
What The KrisFlyer Miles Calculator Is (And What It Isn’t)
This app answers one question: given my bank reward points and KrisFlyer balance, what flights can I afford?
- What it isn’t: a booking engine (that’s the SQ website), a “best value” ranker, a cash-fare comparison, or a strategy guide (that’s my Air Miles Complete Guide). It answers one question and stops there.
A few details on how it handles the tricky parts.
- Block-size conversions. Banks convert points to KrisFlyer Miles in fixed blocks e.g. DBS converts in blocks of 5,000 points. If you have 131,647 DBS points, the calculator converts 130,000 and tells you 1,647 are stranded (need 3,353 more for the next block). No rounding up, no pretending you have more miles than you do.
- Non-bank programs. Kris+, HeyMax, and Yuu work differently from bank cards. Some convert 1:1, others go through indirect routes (HeyMax, for instance, passes through Yuu Points before reaching KrisFlyer). The calculator handles the math for each and labels them as “programs” so you know they’re not bank cards.
- Privacy. Nothing leaves your browser. No server processing, no data stored, no analytics on your inputs. Your card selection, favourites, and preferences persist in your browser’s local storage, but that data stays on your device. I built it this way deliberately so everything stays on your device.
- Award chart data. To the best of my ability, the award charts are kept up to date. When SQ or Scoot updates their chart, I update the data files and redeploy. The tool doesn’t scrape live data. That would be fragile and maintenance-heavy for a simple tool.
The remaining question is why I built it instead of using something that already exists.
Why I Built This
Originally, I built this for myself. It started as a hobby project that’s optimised for how I use KrisFlyer: three credit cards, two passengers (my wife and me), regional travel mostly, fine with either Singapore Airlines or Scoot. I coded it with AI, because it is a superpower for non-developers like me. It took a few weeks from idea to production via plenty of minor edits.
In the past, I came across tools made by others, but none matched my needs perfectly, which inspired me to make my own. This version on my blog is functional and I use it regularly. It’s now the tool I open when my wife says “where should we go next?” or when I think of suggesting “wanna fly to Bangkok next month for Gapow Tapae and Es-yen?”
I kept adding features because I kept using it. The colour-coded cards, the lock mode, compact mode, the reorder. None of these were in the original plan. They came from friction I felt while using my own tool. That’s the benefit of building for yourself: you’re the first user, and you notice every small annoyance.
Because it started as a personal tool, there may be quirks I haven’t caught. If something looks off, use the feedback link to let me know.
This calculator answers the final question in the chain. We’ve earned the miles. We’re effortlessly managing the expiry. Now, where can we go?
This calculator is one piece of a larger set of air miles resources on the blog:
- Strategy — Air Miles Complete Guide: how to earn, manage, and redeem.
- Earning — Simple 3-Card Strategy: which cards, which categories.
- Verification — Miles Bot MCC Checker: which card to use when paying.
- Tracking — KrisFlyer Miles Expiry Calculator: when your miles expire.
- Redemption — KrisFlyer Miles Calculator: what flights you can afford right now.
Launch the tools, take the guesswork out of miles
- KrisFlyer Miles Redemption Calculator — Open tool · Read guide
- KrisFlyer Miles Expiry Calculator — Open tool · Read guide
- Miles Bot (MCC Checker) — Learn to build your own
HeyMax Referral Code
How To Use → Sign up using code 9FA9C392
You Get → S$2 (200 Max Miles)
To Unlock → Make first purchase
If this article helped you, consider using my referral — it supports my blog at no extra cost to you.
Kris+ Referral Code
How To Use → Sign up using code P681888
You Get → S$5 (500 KrisPay Miles)
To Unlock → Make min. S$5 transaction
If this article helped you, consider using my referral — it supports my blog at no extra cost to you.
Kevin started Turtle Investor after hitting rock bottom at negative $25,755 net worth. Today, his monthly alternative income pays for all his daily expenses. He shares what actually works (and what doesn’t) for Singaporeans building wealth. Learn more about Kevin here.
Leave a Reply