PaySmart: Credit Card Tracker

No ads. No data selling. No bank login required. See every card, balance and due date on your iPhone — and what paying the minimum really costs you.

No ads. No data selling. No bank login required.

PaySmart shows every credit card, loan and mortgage in one place — balances, limits, utilization and due dates — and keeps it all on your iPhone. Free for 2 accounts. $9.99 a year for unlimited.

WHAT IT DOES

• Add credit cards, personal loans, auto loans and mortgages
• Track balances, credit limits, and utilization per card and overall
• Save statement close dates and payment due dates
• Payment reminders 1–7 days before due, per card
• Minimum-payment insights: how long payoff takes, and what the interest costs
• Optional: connect accounts with Plaid to update balances automatically
• Keep payment links and account details handy

WHY IT'S DIFFERENT Your data is stored on your device, not on our server. There's no account to create, no bank connection required, and no ads — because nobody is paying us for access to you. PaySmart is funded by the people who buy Pro. That's the whole business model.

If your last budgeting app shut down and took your data with it: that can't happen here. There's no server to switch off. An installed copy keeps working.

FREE VS PRO Free — up to 2 accounts, utilization tracking, payment reminders, no ads. Pro — unlimited accounts, minimum-payment insights, debt payoff projections, optional bank sync, priority support. $0.99/month or $9.99/year.

Pro is an auto-renewing subscription through the App Store. It renews unless cancelled at least 24 hours before the period ends; manage or cancel any time in your Apple Account settings.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.paysmartapp.net/privacy-policy