CardLab: Credit Card Tracker
No in-app products collected for this app.
| Rating | |||
|---|---|---|---|
| Philippines | 50%2 | 5.00 | |
| United States | 25%1 | 5.00 | |
| Thailand | 25%1 | 5.00 | |
| St. Lucia | <1%0 | — | |
| Serbia | <1%0 | — | |
| Egypt | <1%0 | — | |
| Spain | <1%0 | — | |
| Argentina | <1%0 | — | |
| Austria | <1%0 | — | |
| Australia | <1%0 | — |
Description
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