Abstract: A point management system manages points on the basis of an index related to a financial product, the points being held by a user in a loyalty points program with which accumulated points can be exchanged for a product or the like. The point management system includes a point management unit that, on the basis of a target value and/or a withdrawal value of a point balance in management set on the basis of a tiered unit of exchange in exchanging points for a product or the like, calculates information related to prediction of whether or not the point balance reaches each of the target value and/or the withdrawal value by a term, or selects a financial product with which the point balance is highly likely to reach the target value.