Cardper: Credit Card Tracker

Cardper keeps every credit card's statement day, due date and minimum payment in one place, so the next payment is never a surprise.

Everything stays on your device. No account, no sign-up wall, and no connection to your bank. You enter your cards, and Cardper does the arithmetic.

WHAT IT DOES

Upcoming
Every card you owe on, sorted by what costs money first. A stripe fills as the due date approaches, so urgency is something you see rather than something you work out.

Smart Spend
Which of your cards gives you the longest run before the bill arrives. Cardper works it out from the statement and due days you entered, and ranks them. With Pro, say what you are about to spend and it sets aside the cards without the room.

Statements and payments
Enter a statement when it arrives. Record a full, minimum, half or custom payment against any cycle, and Cardper keeps track of what is left. Payment history stays per card and per cycle, so you can see how a balance came down.

Due date reminders
A nudge a few days before each due date and again on the day. With Pro they arrive as notifications at the hour you choose, even when the app is closed, along with a heads-up before a card closes its statement, two reminders of your own, and quiet hours that keep them out of your night.

Wallets and currencies
Keep personal and business cards apart, each wallet in its own currency, with no conversion happening behind your back.

Credit limits
Enter a card's limit and Cardper estimates what is left on it from the last statement you entered, per card and across the whole wallet.

Private by default
Face ID, fingerprint or a PIN on open. Balances blur in the app switcher. Encrypted cloud sync is optional and stays off until you turn it on.

FREE AND PRO

Free covers three cards in one personal wallet, in-app due date reminders, the Smart Spend ranking and file export, with no time limit. Pro lifts the card limit and adds business wallets, push and statement cut reminders with quiet hours, Smart Spend by amount, multiple currencies, encrypted cloud backup with import, and an ad-free app.

WHAT CARDPER IS NOT

Cardper is not a bank and is not connected to one. It reads no accounts, moves no money and lends nothing. Every figure it shows was entered by you, or worked out from dates you entered.

Recent changes:
Cardper now fits every screen: tablets and foldables, in any orientation and window size.

Also in this update:
• Japanese yen, Czech koruna and Swiss franc
• Upcoming shows how much is due today, and when each paid card closes next
• Tap a detail on the card preview to go straight to its field
• A smaller download, and screens that stay whole at large text sizes