ClearView Spend Solutions ClearView Spend Solutions

ClearView ROI Calculator

See what ClearView could be worth to your business.

Estimate your return across vendor spend and your team. Card rewards, float, vendor discounts, fees, and tax effects on the spend side, plus our Preventive Health Plan for employers who qualify. Monthly and annual, side by side.

1. Your vendor spend
What your business pays vendors and suppliers in a typical month or year. Switch between Per month and Per year and the amount converts for you.
$
How much of your spend goes to vendors that take credit cards. The rest is treated as going to vendors that only take ACH or check.50%
$10,000 card vendors$10,000 ACH/check vendors

Vendors that take cards get paid directly by card. For vendors that only take ACH or check, your card funds the payment and a conversion service pays them, for a fee.

2. Rates and assumptions
The cash back or rebate your card earns on spend. 2% is a common planning assumption. Your actual rate depends on your card program.2.0%
Some vendors add a fee when you pay by card. Leave it at 0% if yours don’t.0.0%
What a conversion service charges to take your card payment and pay a vendor by ACH or check.2.9%
Your business’s tax rate. It’s used to estimate taxes avoided on rewards and the tax benefit of fees.35%
Some vendors offer a discount for paying early or paying a certain way. Enter it as a percent of spend.
How long your cash stays in your account between paying a vendor by card and paying off the card bill.
What your cash earns while it sits in your account, for example in a business savings or money market account.4.0%
3. Your team
Count full-time employees paid on a W-2. Contractors paid on a 1099 don’t count.
Do you currently offer health benefits?Employer-sponsored health insurance for your employees. The Preventive Health Plan works alongside it, not in place of it.

Our Preventive Health Plan is available to employers with 25 or more W-2 employees who already offer health benefits.

How the math works

Every line, explained

Tap or hover any on the calculator for a quick explanation. Annual spend is divided by 12 to get a monthly figure. Annual results are the monthly results times 12. The Preventive Health Plan is figured per year and divided by 12 for the monthly column.

  • Card rewardsSpend × rewards rate. We use 2% as a common planning assumption. Your actual rate depends on your card program.
  • Taxes avoided on rewardsRewards × tax bracket. Card rebates are generally treated as non-taxable, so this is the tax you’d have paid on the same amount earned as income. Confirm with your CPA.
  • Vendor discountSpend × any discount your vendors offer, such as for paying early.
  • Float valueSpend × APY × float days ÷ 365. It’s what your cash can earn while it stays in your account until the card bill is due.
  • FeesCard-vendor spend × surcharge, plus ACH/check-vendor spend × conversion fee.
  • Tax benefit on feesTotal fees × tax bracket, since business payment fees are generally deductible. Confirm with your CPA.
  • Preventive Health PlanW-2 employees × 75% assumed participation × $650 per participating employee per year. The $650 is an average confirmed by our benefits partner. It only appears for employers with 25 or more W-2 employees who already offer health benefits. Actual participation and results will vary.