Pricing
Free to track. Pro to sync.
Pro starts with 14 days free and no card. Cancel any time from Settings.
Free
$0forever
You do the typing. It does the math.
- Unlimited cards, added by hand
- Balance, utilization and APR on every card
- Your debt-free date on the avalanche plan
- Due dates on your dashboard, and an email 3 days before
- An email before a 0% offer ends or an annual fee is due
14 days free
Pro
$12.99/month
or $129/year, two months free
Founding members: $9.99/month, locked for life. First 100 only.
Your bank does the typing.
Everything in Free, plus
- Automatic bank sync through Plaid
- Snowball and Promo first, compared against avalanche
- Transactions and spending insights
- Subscriptions and other recurring charges, found for you
No card needed for the trial.
We make money from Pro subscriptions, never from selling your data.
FAQ
Frequently asked questions
You move to Free unless you subscribe. Your cards stay, with their balances, APRs and transaction history. The bank connection is turned off, so from then on you update them by hand.
No. You start it while signing up and it runs for 14 days. A card only comes into it when you subscribe.
Bank sync, the snowball and Promo first plans, and anything built from transactions, like spending insights and recurring charges. Free still gives you a debt-free date on the avalanche plan, which costs the least interest.
Yes, from Settings, under Billing. Pro runs to the end of the period you paid for, then you are on Free with every card still there.
No. You sign in to your bank inside Plaid, and Cardinate only receives the credit cards and transactions you choose to share.
$9.99 a month instead of $12.99, for the first 100 subscribers, and it stays $9.99 for as long as you keep the subscription. It appears on the Billing page after you sign up, while seats last.