Dashboard
Analyzing your spend against every card in your wallet.
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You're looking at sample data. A realistic year of spending, so every screen has something in it.
Use Upload CSV on the Transactions tab to run this on your own statement — it stays in your browser and is never uploaded anywhere.
Where your money goes
Spend by category, with the rate you actually earned
Biggest upside
Top switches by annualized value
Card performance
Effective return rate on what you put on each card
Leaks
Money left on the table this period
Credit Health
Score, utilization, and what a new application would cost you.
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Placeholder: score + balances are stubbed. Wire
CreditData.pull() in index.html to your bureau/aggregator feed — it just needs to return {score, bureau, pulledAt, accounts:[{cardId, balance, limit, openedYear}]}.FICO Score 8
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13-month history
Utilization by card
Under 30% per card, under 10% overall is the target
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Paydown simulator
Utilization is ~30% of a FICO score and it re-scores every statement — this is the fastest lever you have
Pay down
$0
Interest & statement detail
From your linked accounts
| Card | Purchase APR | Statement bal. | Min. payment | Due | Carrying cost /mo |
|---|
Score-aware actions
Ordered by impact per dollar
Switch Charges
Every charge re-scored against every card you already hold.
Unused Perks & Credits
Statement credits you're paying for. Usage is inferred from your charges — override anything that's wrong.
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| Credit | Card | Value | Used | Progress | At risk |
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Gated credits — advertised but conditional
These require qualifying spend or status, so they're excluded from every total on this site
Non-cash perks you hold
No dollar figure, but stop paying twice for these
Annual Fee Break-Even
Rewards earned plus credits actually used, against what each card costs you.
| Card | Annual fee | Rewards (ann.) | Credits used | Net | Break-even | Verdict |
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Rewards are annualized from the selected window. A card can still be worth keeping below break-even for lounge access, status, or protections — those aren't priced here.
Next Card
Simulated against your real spend: uplift over your current best card, plus the signup bonus, minus the fee.
Ranked by value to you — earn-rate uplift, credits you'd actually use, and a signup bonus only if your spend clears it, minus the fee.
Some cards may pay us a commission; the ranking code has no access to which ones.
How that's enforced.
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Placeholder: approval-odds gating is off. Candidates are scored on value only — they don't yet factor 5/24, income, or issuer rules.
Action Calendar
Everything with a deadline attached, in the order it will cost you money.
Upcoming
Sorted by date. Dollar figures are what you lose by missing it.
Recurring obligations
Statement due dates from your linked accounts
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Due dates and APRs come from Plaid
/liabilities/get. Connect a card to populate this.Recurring Charges
Detected from cadence and amount stability. Move one of these once and it earns for you forever.
Card-Linked Offers
Amex, Chase and Citi offers you must activate before you spend. Ranked by what you'll actually claim.
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Placeholder feed. No issuer publishes an offers API — see
offers.master.json for the four realistic ways to source this. Activation state is stored locally.My Wallet
Toggle the cards you hold. Everything downstream re-runs instantly.
Transactions
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Drop a statement CSV here
Columns are auto-detected — date, description, amount, and card if present. Chase, Amex, Citi, Capital One and Discover exports all work as-is.
| Date | Merchant | Category | Charged to | Amount | Earned | Best card | Upside |
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Settings
Point valuations drive every dollar figure on this site.
Master benefit file
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Placeholder loaded. Drop in
card-benefits.master.json with the full pulled dataset — the app reads it live, no code change. Schema notes are in the file's _README.Load master benefit file
JSON · replaces the card database in place
Point valuations
Cents per point. Change these and every number re-computes.
Your account
Not signed in
Sign in to save your wallet and settings across devices, and to link bank accounts.
Linked institutions
Not connected
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Requires the backend in
server/. Copy .env.example to .env, add your Plaid keys, then npm install && npm start. Sandbox works with no real bank.Merchant categorization rules
Keyword → category. First match wins; unmatched charges fall to
other.◆
Placeholder: keyword matcher stands in for a real MCC feed. Swap
Categorizer.rules for MCC codes off the transaction feed when that's wired up.