CardCalc: Credit Card Bills

CardCalc is a manual credit card spending tracker, budget planner and bill reminder. Log what you spend, see this billing cycle's total for each card, check how much your cards will withdraw before your next payday, and never miss a payment date—without connecting a bank account or entering card numbers. Features: - Manage multiple cards: name, closing day, payment day (for cards paid in the month after the closing day), optional credit limit and an auto-pay setting (marked as paid on the due date) - Log an amount, date, category and note in a few taps; record income too - Undo a deleted record right after you swipe it away - Until Payday: set your payday (once or twice a month) to see the total your cards will withdraw before it, with a breakdown by card - Weekend-aware dates: move a payday or card debit that falls on a weekend to the Friday before or the Monday after (used for Until Payday; the calendar and reminders keep the registered date) - Local reminders before payment dates, with a "mark as paid" action right from the notification - Paid / unpaid status for each payment and an app icon badge for upcoming bills - Recurring expenses for subscriptions and fixed costs, and change the amount for just one month (such as a utility bill) without touching past months - Calendar view of payment dates and spending - Charts by period and category (bar; pie on iOS 17 or later), plus a 3-month Spending Insights view - Category budgets with alerts when you go over - Custom categories: create, edit and delete - Search transactions and mark them as reconciled - Choose a currency for each card, with a manual exchange rate for all-card totals in the app (the widget's monthly total is not converted) - Export your records as CSV (Full Access) - Home Screen and Lock Screen widgets, Apple Watch app, Siri and Shortcuts, Spotlight search - Back up and restore - iCloud sync across your devices (Full Access) - App lock with passcode or Face ID - Finance-style dark theme The free version supports up to two cards and shows a banner across the main tabs. A single, non-renewing Full Access purchase unlocks unlimited cards, CSV export and iCloud sync, and removes ads. There is no subscription. While your purchase status is still being checked or can't be checked (for example, offline), CardCalc applies no limits and shows no ads, so earlier buyers don't lose access. Your card names, spending records and credit limits stay on your device (or in your own iCloud if you turn on sync). CardCalc has no bank integration and no account sign-in. Privacy Policy: https://smallappworks.com/cardcalc/privacy/ Support: https://smallappworks.com/cardcalc/support/