Know exactly what
you owe, every cycle.

A billing cycle is the period your card issuer uses to group transactions into one statement, usually around 30 days. It ends on your cutoff date, also called the statement date, and everything charged before that cutoff appears on that statement. A purchase made one day after the cutoff does not appear until the next statement, roughly a month later.

The cutoff date closes your statement. The due date, typically 15 to 25 days later, is when payment must reach your issuer. Mixing them up is the most common reason people are surprised by a bill: you can be well past your cutoff, with the amount already fixed, and still weeks away from having to pay it.

Because your card does not care about calendar months. If your cutoff is the 15th, your October statement covers mid-September to mid-October, so a budget built on calendar months never matches the amount you actually owe. CC Tracker groups every expense and payment into the cycle it genuinely belongs to, which is why the total it shows matches your statement.

No. You enter transactions yourself, and the app never asks for bank or card credentials. That means a little more effort than an app that syncs automatically, and three things in return: it works with any issuer in any country, there are no credentials to leak, and nothing breaks when a bank changes its API.

Yes. The free version tracks up to 5 cards, 2 recurring transactions, and the last 3 months of history, and shows a small banner ad. Premium is $0.99 a month and raises those to 50 cards and 50 recurring transactions, unlocks full history, adds spending reports and charts, allows CSV and PDF export, and removes ads.

Tag each card with the categories it earns the most on, like dining, groceries, or flights. Those tags appear on the dashboard next to each card, so when you are standing at the till you can see at a glance which card to reach for, instead of trying to remember which one pays 5% on groceries this quarter.

Your transactions are encrypted before they leave your device and are synced to your own account. CC Tracker does not sell your data or share it with advertisers, and because it never connects to your bank, there are no banking credentials stored anywhere. The full detail is in the privacy policy.

Yes. You pick your own currency, cards are set up by colour and network rather than by a fixed list of banks, and the app is available in 177 countries. Because transactions are entered manually, it works the same no matter who issues your card.

Not yet. CC Tracker is on Android today, and an iOS version is in development.

Nothing is deleted. Your account reverts to the free limits, so some older history and extra cards stop being visible, but everything is still there and reappears if you subscribe again.