No bank logins. Ever.
You enter what you choose to enter. We never ask for credentials to your card portal, loyalty account, or bank. Full stop. Pointfolio is manual-first by design, not by accident.
Now in private beta
Stop paying cash for trips you've already earned.
Pointfolio tracks every loyalty balance, calculates exactly when your points beat cash, and alerts you to transfer bonuses before they expire.
✈ Tokyo
✈ Dubai
✈ Maldives
✈ New York
✈ Sydney
✈ Rio de Janeiro
iOS & Android · Limited spots · Free during beta
Where could your points take you?
Tokyo. The Maldives.
Business class to New York.
People who know their points properly redeem for experiences they'd never pay cash for. Pointfolio gives you that clarity.
Business Class
Tokyo
From 70,000 miles return
Avios · ANA · JAL
Overwater Villa
Maldives
From 60,000 points/night
Marriott · Hyatt · IHG
Return Flight
New York
From 40,000 miles return
Avios · American · United
First Class
Dubai
From 50,000 miles return
Emirates · Etihad · Qatar
Example redemptions. Actual rates vary by programme, route, and availability.
Why travellers use Pointfolio
Points are a genuine asset, but only if you know what you have, what they're worth, and when to use them. Most people don't. Pointfolio fixes that.
The problem
- • Balances scattered across five portals with no idea what they add up to.
- • No easy way to know if 80,000 points beats the cash price, so you just pay cash.
- • Transfer bonuses expire before you notice them.
- • Planning a trip with points feels like a full-time research job.
What Pointfolio does
- ✓ Unified portfolio: every balance, in one view with real value context.
- ✓ Miles or Cash?: the exact burn-vs-pay answer before you book.
- ✓ Live Deals: transfer bonuses surfaced the moment they go live.
- ✓ Plan Your Journey: set the trip, track the gap with points.
Feature 01 · Plan Your Journey
Start with the destination. Pointfolio finds the points.
Set a trip goal with destination, cabin class, and dates, and Pointfolio builds a leg-by-leg funding plan using what you already have. Every flight is tracked separately, progress shown in real time across every programme involved. You'll always know exactly where you stand.
- ✓ Multi-leg trips tracked in a single journey goal
- ✓ Funding progress shown per airline, per leg
- ✓ Direct miles, partner transfers & flexible points all counted
- ✓ "Ready for takeoff" the moment you hit your goal
Feature 02 · Miles or Cash?
The answer, before you book.
Enter the points required, any fees you'll still pay, and the cash fare. Pointfolio calculates your exact saving in euros, compares your actual cost basis against the market rate, and gives you a clear "Great Value" or "Prefer Cash" verdict. No more guessing. No more leaving money on the table.
- ✓ Saving calculated in real euros, not abstract ratios
- ✓ Uses your actual cost basis, not a market average
- ✓ Clear verdict: "Great Value" or "Prefer Cash"
- ✓ Auto-populated from your portfolio balances
Feature 03 · Your Portfolio
Every programme. One clear view.
Add every loyalty programme you collect and see all your balances together for the first time. Pointfolio tracks your cost per 1,000 points and total invested per programme, so when it comes to deciding whether to burn, redeem, or transfer, you have the full financial picture alongside the balance.
- ✓ 100+ programmes across airlines, hotels & banks
- ✓ Cost basis tracked per programme entry
- ✓ Elite tier tracking (Esfera Elite, Livelo Platinum, and more)
- ✓ Total amount invested shown per entry
Feature 04 · Live Deals
Transfer bonuses don't wait. Neither should you.
Pointfolio monitors 100+ programmes and surfaces limited-time transfer bonuses the moment they go live. When the calculator recommends buying points, it automatically factors in live promotional rates, ranking your options by total cost with the deals already applied.
- ✓ Live transfer bonuses on your home screen as they drop
- ✓ Buy options ranked by real cost, promotions included
- ✓ Active deals clearly tagged (e.g. "Save 30% on awards")
- ✓ Refreshed continuously across 100+ programmes
Cash is for when points don't get you there.
The goal is optionality: premium cabins, peak dates, family trips, without the sticker shock of cash fares. Pointfolio gives you the information to make the right call every time.
Try it free. Join the BetaBuilt on trust
Manual-first. No bank passwords. No selling your data. Ever.
Your data is yours.
We don't sell your personal data. We don't broker it. You can delete your account and all associated data at any time, directly from within the app, no email required, no waiting.
No background scraping.
No syncing. No third-party data brokers. No access to your accounts beyond what you explicitly enter yourself. What you log is what we hold, nothing more.
Common questions
What loyalty programmes are supported?
100+ programmes at launch, including American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou, Capital One Miles, Avios, Emirates Skywards, Qantas Frequent Flyer, Aer Lingus AerClub, United MileagePlus, Delta SkyMiles, Smiles, LATAM Pass, TudoAzul, Livelo, Esfera, Revolut RevPoints, Turkish Airlines Miles&Smiles, Air Canada Aeroplan, SAS EuroBonus, Marriott Bonvoy, World of Hyatt, Hilton Honors, IHG Rewards, and many more. The full searchable list is inside the app.
Do you connect to my bank accounts?
No. Pointfolio is manual-first: you enter what you choose. We never ask for bank passwords, loyalty account logins, or any credentials. Your accounts stay entirely separate from the app at all times.
Who is Pointfolio for?
Anyone who earns loyalty points across more than one programme and wants to get more value from them: frequent flyers, occasional travellers, hotel rewards collectors, and points enthusiasts who are tired of logging into five different portals to figure out what they have and whether it's worth using.
What do you do with my data?
You control what you save. We don't sell your personal data to third parties. You can delete your account and all data at any time from within the app. See our Privacy Policy for full details.
How does billing work?
Pointfolio is completely free for all beta testers for the full duration of the programme. At public launch, the app moves to a freemium model: free tier for portfolio basics, Premium for the full calculator, transfer tools, live deals intelligence, and the insider community. Pricing will be published before the public launch.