SoFi Plus Membership Rewards Calculator
By Caren Weiner | Updated April 17, 2026
The many benefits of a SoFi Plus membership are all designed to help you boost your personal bottom line—and some advantages can be tracked on the SoFi Plus membership rewards calculator.[1]
- Key Points
- • The calculator estimates annual membership rewards based on credit card purchases and deposits into savings and investment accounts.
- • Members can earn 4.50% APY (annual percentage yield) on up to $20,000 in a SoFi Bank savings account and 3.30% APY on all other savings balances.[2]
- • SoFi Plus members get a 1% match on eligible deposits into non-retirement SoFi Invest accounts.[3]
- • The $10 monthly membership fee can be offset by rewards points.
- • Additional SoFi Plus perks include no-cost financial planning services and special discounts on travel and live events.[1]
This calculator is for informational purposes only and provides an estimate based on the data you input. Actual cash back rewards may vary based on your specific spending patterns, merchant categories, account standing, or other factors. This is not an offer of credit or a guaranteed amount of earned cash back rewards. This calculator does not apply to SoFi Essentials, Everyday Cash Rewards cards, and SoFi Smart Card.
Calculator Definitions
• Annual percentage yield (APY): A savings account’s annual percentage yield is related to its interest rate, but it’s not quite the same thing. The interest rate is the base percentage paid out on your savings by the bank; it does not include compounding. An account’s APY is its annual rate of return, which does include compound interest.
• Savings account: This is a type of interest-bearing deposit account available at financial institutions. SoFi Plus paid subscribers can earn 4.50% APY on up to $20,000 of deposits in one SoFi Savings account, and 3.30% on additional savings balances.[2]
• Investment rewards: SoFi Plus members who deposit sums into non-retirement Invest accounts will earn a 1% match that’s credited in the form of cash (subject to certain conditions).[3]
• Credit card rewards: This type of credit card benefit gives you back a small percentage of the money you spent using that card. Rewards are delivered in the form of cash back rewards points. To receive the SoFi Plus 10% boost on cash back rewards, eligible purchases must be made with a SoFi Unlimited 2% Card.
How to Use the SoFi Plus Membership Calculator
SoFi Plus members, whether longtimers or newcomers, can use this tool to estimate their SoFi Plus rewards.
Just enter your current or future amounts for savings, investments, and credit card spending. Here’s a rundown:
• Savings Balance: This is the average amount you would keep in a SoFi Bank savings account. The calculator’s result shows what your money would earn each year at a 4.50% APY on up to $20,000 in a Savings account, and 3.30% APY on all other Savings balances.[2]
• Invest Deposits: Your input should represent the amount you would add to your non-retirement Invest account in a given month. The 1% match on Invest deposits is credited in the form of cash, subject to certain conditions. The terms of use spell out the requirements for this reward.[3]
• Monthly Credit Card Spend: Put in the amount you’d typically spend on eligible purchases with the SoFi Unlimited 2% Credit Card. This section computes the value of the SoFi Plus 10% boost in that card’s cash back rewards points.
As you plug your figures into the membership calculator (or, if you prefer, indicate them using the slider), you can watch the earned rewards tally grow. Nudging the slider back and forth will shift your input numbers up or down so you can see how the calculated totals grow or shrink.
Most benefits are calculated monthly, but your monthly financial profile may vary. You can still aim for a monthly estimate; just add up your annual outlay for these expenses and then divide that sum by 12.
Also, it’s fine to skip over anything that doesn’t apply to you.
Benefits of Using a SoFi Plus Membership Rewards Calculator
With this membership rewards calculator, you can find out information that could be useful for cost-conscious planning.
Some of the benefits you could get from this calculator include:
• The ability to compare the annual SoFi Plus membership fee to the amount of money you could or did save over the course of a year
• A demonstration of the advantages of credit cards that offer monthly cash back rewards
How to Use SoFi Plus Calculator Data to Your Advantage
A session with the SoFi Plus Membership Rewards Calculator may reveal where you could use the program’s benefits to earn the most rewards.
It will also show you how SoFi Plus could pay for itself. For example, if you make a monthly deposit of $1,000 into your investment account, your 1% match will equal $10 once each transaction settles. This would cover the SoFi Plus membership fee for a month.
Examples of SoFi Plus Reward Perks
The calculator indicates how the SoFi Plus membership could bring you:
• A boost in your cash back credit card rewards
• A higher return on your savings account
• Matching funds for your non-retirement investment account
Other perks and benefits of membership include:
• No-cost financial planning services
• Price breaks on travel
• Exclusive access to SoFi Plus Experiences, including concerts at SoFi Stadium in Los Angeles and pro sports events[4]
Maximizing SoFi Plus Rewards Tips
As you think about how to maximize your credit card rewards and other SoFi Plus perks, here is something to consider: Keep deposits to your investment accounts intact for five years. For you to earn the SoFi Plus 1% match on investment deposits, the deposited funds have to stay in the appropriate account for five years. Early withdrawal may result in a penalty.[3]
The Takeaway
This calculator shows current and prospective SoFi Plus members the possible rewards they could earn through monthly outlays on savings, investments, and credit card purchases. This way, members can get a look at what their $10/month SoFi Plus membership might buy them.
FAQ
What is SoFi Plus membership?
For $10 per month, a SoFi Plus membership gives you potential access to more than 20 perks as well as more than $1,000 of annual value with eligible activities.[5] Depending on your actions, you could get:
• A higher return on your savings
• Matching funds for your non-retirement investment account
• No-cost financial planning services
• Price breaks on travel and live events
Is it worth paying for SoFi Plus?
Each individual has their own spending, saving, and investment routines. Some of the SoFi Plus perks may fit into your existing financial habits; in other cases, the prospect of rewards may nudge you toward action. Our calculator enables you to compute how much you could save or gain from a SoFi Plus membership and help make your decision.
How can I avoid SoFi’s monthly fee?
At SoFi, checking and savings accounts have no monthly fees. By contrast, SoFi Plus’s $10 monthly fee is required of all members. You can pay that using a credit card, debit card, or your SoFi checking account.
Is SoFi Plus membership free?
No. In the past, SoFi Plus membership status has been complimentary for customers who have eligible direct deposits or other qualifying deposit amounts added to their accounts. But all complimentary access to SoFi Plus ended March 30, 2026. Thereafter, members pay a $10/month subscription fee to access SoFi Plus benefits.[6]
Learn more about membership rewards.
1SoFi Plus: SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more when they pay the SoFi Plus Subscription Fee. Between 12/9/25–3/30/26, members with Eligible Direct Deposit or Qualifying Deposits will receive complimentary access to SoFi Plus. Benefits are subject to change and may not be available to everyone. All terms and conditions applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, please see the SoFi Plus page.
*Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. A nationally representative sample of 900 consumers were asked to rank offerings based on the question “Which financial membership brand is most rewarding?” Results as of January 2025. See sofi.com/plus-survey for details.
2
For SoFi Plus members, SoFi Savings is a tiered-rate account. Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a SoFi Plus membership. Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. Rates are current as of 3/31/26. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. Terms apply at https://www.sofi.com/terms-of-use/#sofi-plus. See additional rates and information at: https://www.sofi.com/legal/banking-rate-sheet. SoFi Bank, N.A. Member FDIC.
3
INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.
For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.
1% Deposit Match on Invest
Available to SoFi Plus members who make eligible cash deposits into taxable SoFi Invest accounts. You must be a SoFi Plus member at the time of deposit, remain a SoFi Plus member for one (1) year after the deposit settles, and keep the deposited funds in the account for five (5) years.
Canceling SoFi Plus within one year or withdrawing/transferring funds during the five-year holding period may result in forfeiture of some or all of the match. Other restrictions apply. Excludes internal transfers and ACAT transfers. Match may be taxable.
4
Exclusive live event access:
SoFi Plus members or guests of SoFi Plus members are eligible to attend SoFi Member In-Person Experiences (a "Member Experience"). For complete SoFi Plus eligibility, please see the SoFi Plus terms.
By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes. By attending a Member Experience, you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event. We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion. View the SoFi Experiences Code of Conduct.
5
$1,000 Value of SoFi Plus membership: The value of a SoFi Plus membership varies depending on benefits used, and there is no guarantee you will reach any specific value. $1,000+ is based on the estimated value of SoFi Plus benefits over a 12-month period assuming: $20,000 deposited in a SoFi Savings account with a 4.50% APY at the start of the 12-month period; $15,000 annual spend on the SoFi Unlimited 2% Credit Card (with a 10% boost on cashback rewards); and one additional 30-minute session (beyond the basic member benefit) with a certified financial planner, with an assumed value of $300. Other benefits may be available. SoFi Credit Card cashback rewards are earned in the form of rewards points, and rewards points redeem at a rate of 1 cent per point. SoFi Plus members must be approved for a SoFi Credit Card in order to receive the corresponding benefit. Estimates valid as of 3/31/2026. Terms apply.
6
$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
SoFi Invest®INVESTMENTS AND DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
SoFi Checking and Savings accounts are offered by SoFi Bank, N.A., Member FDIC.
SoFi Credit Cards are issued by SoFi Bank, N.A. pursuant to license by Mastercard® International Incorporated.
Sofi Crypto products and services are offered by SoFi Bank, N.A.
Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender.
Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser. Information as of 11/5/25 and is subject to change. Screen images simulated.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
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