CardLab: Credit Card Tracker
Payoff, Interest & APR Sim
Free · In‑App Purchases · Designed for iPad. Not verified for macOS.
New My Cards view shows every card's bank, APR, balance, and utilization at a glance. Log any purchase or payment on a past date to bring your history in. On-device.
CardLab is a private credit card tracker and simulator: a personal sandbox where you can log your real cards and see exactly how a credit card behaves before any real money is on the line. No bank login. Nothing to sync or break.
Build a realistic practice card around your own situation: credit limit, balance, APR or monthly rate, statement date, due date, and payment rules. Then safely test purchases, payments, payoff plans, interest, rewards, installments, and cash advances on a clear visual timeline.
No bank login. No real card number. No CVV. No account required.
ON YOUR HOME SCREEN, LOCK SCREEN & SIRI
• Log a purchase or payment by voice with Siri or Shortcuts, hands-free
• Home Screen and Lock Screen widgets: balance, available credit, and utilization at a glance
• A payment-due countdown as a Live Activity in the Dynamic Island
• Optional statement-closing and payment-due reminders
SPLIT PAYMENTS & SPOTTING FRIENDS
• Simulate splitting a purchase into 3, 6, 12, 24, 36, 48, or 60 monthly installments — and see the real add-on cost and effective APR
• Cover a friend's purchase, track what they owe you back, and get a reminder to collect
• Start a purchase in one tap from your Home Screen widget
TRACK ALL YOUR CARDS
• My Cards gives you a wallet overview of every card: bank, APR, balance, available credit, and a utilization bar - plus your total balance and available credit across cards
• Log any purchase or payment on any date, so you can backdate and port months of real history into CardLab
• Your statements, interest, and grace periods recompute correctly from the full timeline
• Export any card's transaction history to CSV whenever you want your data
WHAT YOU CAN SIMULATE
• Statement date, due date, and the grace period
• Interest using the average daily balance method
• Minimum payment vs. paying more, and the months and interest you would save
• Credit utilization and an educational Credit Health Meter
• Rewards vs. interest, annual-fee breakeven, installments, and cash advances
HANDS-ON LABS
• Payoff Lab: compare minimum-only against a higher monthly payment
• Interest Lab: watch interest build day by day
• Rewards Lab: check whether cashback really beats your interest
• Utilization Lab: see how balances move your credit utilization
• Credit Score Lab: an educational what-if simulator showing how habits like utilization, on-time payments, and credit age generally move a score (directional and fictional, never your real score)
LEARN BY DOING
• What if I pay before the statement closes?
• What if I only pay the minimum?
• What if I carry a balance into next month?
• What if my cashback is smaller than my interest?
A built-in AI tutor explains your own numbers in plain language.
PRIVATE BY DESIGN
Local-first: your simulations stay on your device by default. Optional iCloud sync and an optional Cloud AI tutor are yours to switch on. We never sell your data.
IMPORTANT
CardLab is for education and planning only. It does not provide financial, legal, tax, or credit advice, and it does not calculate or predict your real credit score, approval, or any lender's decision. Issuer rules, fees, and interest can vary; figures are estimates based on the numbers you enter.
Terms of Use: https://getcardlab.app/#/terms
Privacy Policy: https://getcardlab.app/#/privacy
Ratings & Reviews
A small fix update.
• When a friend pays you back, the reminder to collect from them now clears itself.
• Refinements and stability fixes throughout.
Thanks for using CardLab.
The developer, Sebastian Gonzales, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Financial Info
- User Content
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Sebastian Gonzales
- Size
- 12 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 32 more
- English, Arabic, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French, German, Greek, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian Bokmål, Polish, Portuguese, Romanian, Russian, Simplified Chinese, Slovak, Spanish, Swedish, Thai, Traditional Chinese, Turkish, Ukrainian, Vietnamese
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- CardLab Cloud (Yearly) $9.99
- CardLab Cloud (Monthly) $0.99
- CardLab Pro $9.99
- Copyright
- © Sebastian Gonzales
