Cardinate: track every credit card and build a payoff plan.
Know the day every 0% APR ends and the month you'll be debt-free. Track balances, utilization, due dates and annual fees in one place, without spreadsheets.
Free tracks unlimited cards by hand. Pro adds automatic bank sync and every payoff strategy.
Bank connections are secured by Plaid. Cardinate never sees or stores your bank login.
See what you owe, what needs attention, and how your payoff plan is moving, all in one place. Click a tab to explore.
Balances, available credit, utilization, weighted APR, and the next due date, all at a glance.
Most tools weren't built for people managing more than one card. Details get lost between statements, calendars, and spreadsheets, until something goes wrong.
One dashboard for the card details that actually matter.
Switching apps, statements, and tabs just to see what you owe.
0% windows expire and snap back to 20%+ before you notice.
Per-card and overall. It's almost impossible to keep in your head.
Spreadsheets break the moment a payment, rate, or balance moves.
Six tools designed for people managing multiple cards. Each one earns its place.
Every card, balance, limit, APR, due date, and utilization, laid out the way a credit-card-first product should be.
Per-card and overall. See exactly where you stand against the 30% threshold.
0% windows, snap-back dates, and balances attached to each promo. Never miss the deadline.
Avalanche, snowball, or balance-transfer priority. Pick a strategy and see your debt-free date.
Spot recurring charges and patterns across every card you carry.
Due dates, promo windows, and payment actions, always one glance away.
Add your cards, see what needs attention, follow a payoff plan. That's it.
Enter balance, limit, APR, due date, and any promo details. Manually or via secure bank sync.
Cardinate highlights high utilization, high-APR balances, due dates, and promo expirations.
Choose avalanche, snowball, or balance-transfer priority, and track month-by-month progress.
Most money apps treat credit cards like just another account. Cardinate treats them as the thing you're trying to understand and pay down.
Quick, no-signup calculators built around credit cards: utilization, payoff, balance transfers, and promo APR windows.
See per-card and overall utilization in seconds.
Estimate your debt-free date and total interest.
Model 0% windows and snap-back APR impact.
Don't get caught off guard when 0% expires.
Know exactly when each intro APR runs out.
Spot recurring charges and card spending patterns.
Step-by-step setup for managing several cards.
Pro starts with 14 days free and no card. Cancel any time from Settings.
You do the typing. It does the math.
or $129/year, two months free
Your bank does the typing.
No card needed for the trial.
We make money from Pro subscriptions, never from selling your data.
Cardinate is designed to help you organize and understand your credit card activity. It provides educational and organizational tools, not financial, credit, legal, or tax advice.
