Overview
Cash on hand
Upcoming — next 14 days
Add / edit a card
Minimum payment estimator
Don't have a real statement minimum for the card above yet? This estimates one from the Current balance and Purchase APR you've entered above (1% of balance + this month's interest, $25 floor — issuers vary, so swap in your real statement number once you have one).
Your cards
Add a recurring bill (rent, utilities, phone, etc.)
These count toward your cash-flow plan but can't be covered by a balance transfer — only a cash advance / card-pay service could cover a shortfall here.
Recurring Monthly Bills
Add a recurring credit card charge
Use for tracking only — reference list. Not a part of the cash-flow and is already accounted for. REFERENCE ONLY
Recurring Credit Card Bills
Log income
One-off or unpredictable income (like irregular business income): mark it Expected until it lands, then flip to Received — the planner discounts "Expected" one-time income by the % set in Settings. Reliable recurring income (a regular paycheck, a fixed monthly deposit): set a Repeats option below and enter it just once — the planner will project every future occurrence automatically, counted at full value since it's dependable.
Income log
A recurring entry appears here once — its future occurrences are projected automatically on the Plan tab, not listed individually here.
Cash-flow plan (next days)
This lines up your cash + counted income against every bill/card minimum coming due, in order of how soon it would actually risk hitting collections/credit-bureau reporting (most issuers report a late payment at 30 days past due — this plan targets paying before that line, with a safety buffer from Settings).
Pay bills
Mark something paid here once you've actually sent the money — it'll deduct from cash on hand or add to whichever card you charged it to, then drop off this list until it's due again.
Payment order
Utilization snapshot
Per-card utilization
Reapply checklist
Score prediction isn't something this tool can honestly model — scoring formulas are proprietary and multi-factor. This is a directional checklist, not a forecast.
MSCSNJ — year to date
Income received
Business expenses
Quarterly estimated tax payments
Typical federal due dates: Q1 Apr 15, Q2 Jun 15, Q3 Sep 15, Q4 Jan 15 (following year) — check current IRS dates, they shift slightly some years.
Notes for the accountant
A running list of anything to remember or hand over at tax time — not a full ledger, just a place to jot it down.
Profit & loss
Revenue by type
Expenses by category
Personal assets — overview
Crypto holdings
Enter prices per coin, like you'd see quoted anywhere — the app multiplies by your quantity for you. This tool doesn't pull live prices, so update "Current price per coin" whenever you check in.
Retirement accounts
Update these whenever you check your balance in ADP (or another provider) — not a live feed.
Planning assumptions
Reporting grace period: most card issuers report a late payment to the bureaus once it's 30 days past due — that's the real danger line, not the due date itself (you may still owe a late fee for missing the due date, but this tool is optimized around protecting your score/avoiding collections).
For personal use only. Not for retail sale or distribution — do not copy. Call me for help if you'd like your own copy.
Not for public or shared use — each person should run their own private copy with their own login.
Not financial advice. Verify card terms (fees, APRs, transfer rules) directly with your issuers before acting.
Data
Your data lives in this browser's local storage tied to this file. Export a backup regularly — especially before clearing browser data, switching browsers, or moving this file.
There is no password reset that keeps your data. If you forget your password, the only way back in is a full reset — and the only way to get your information back after that is importing a backup you already exported. No backup means no recovery. Back up often.