A quick guide to inputs, outputs, and interpretation for the Ownership Leverage Analyzer (public version).
How to use the tool
- Enter your Points Owned, Average Points Required Per Night, and Nights Used.
- Add your Annual Maintenance Fees and an estimated Annual Fee Increase %.
- Select your time horizon and click Generate to reveal results.
What the results mean
- Leverage Ratio = Points Owned ÷ (Nights Used × Avg Points/Night).
- Within Functional Alignment Range means the account is within ±10% of required usage.
- MF Cost / Night = Annual Maintenance Fees ÷ Nights Used.
- Year 10 MF Cost / Night uses your growth rate to project future fee pressure.
Tips
- If the ratio is under 0.90, the account is likely short on points for their stated travel pattern.
- If the ratio is over 1.10, the account has surplus capacity relative to travel usage.
- Use realistic seasonal assumptions when setting Avg Points/Night (high-demand weeks require more points).
