Independent Temu guide · Reviewed 1 October 2026
Credit calculator
Enter the amount still missing from your reward and the progress rate shown in your offer. The result assumes that rate stays unchanged.
This is a flat-rate calculation, not a campaign predictor. Changing rates, caps, deadlines, order restrictions and other conditions can change what you need to spend.
Read the result
A gap of 75 at a 1% progress rate implies another 7,500 of eligible spending, assuming the rate remains 1%. A confirmed 3-unit bonus reduces that example to 7,200. We do not know whether either assumption matches your account's next order.
If your offer describes a lottery or chance to win rather than earned progress, this formula does not apply. Check whether the reward expires or requires daily claims before placing another order.
Credit versus cash across two baskets
For an initial basket costing 7,000 and a later basket worth 5,400 that you pay fully with earned credit, your total cash outlay would be 7,000 for 12,400 of goods: an effective 43.55% reduction against those basket prices. This assumes you actually receive and use all 5,400 of credit, with no extra payment or restrictions.
The headline 5,400 ÷ 7,000 = 77.14% credit-back ratio measures credit against the first basket. It is not a 77.14% cash refund or a 77.14% discount across both baskets. Compare the goods with alternative prices before deciding whether the total outlay is worthwhile.
See the 5,400 CZK worked example and our promotion guide. Calculator values stay in your browser and reset on reload.