For people drowning in credit cards
Everycard.Everybalance.Oneplan.
Cardinate watches every card, every promo expiry, and every dollar — then tells you exactly what to pay and when. Quietly.
cashflow.app/dashboard
Total debt
$18,420.55
$640 this month
Weighted APR
19.4%
Cash on hand
$3,284
Available credit
$10,579
Debt-free in
27 mo
Your cards
3 active
DI
Discover It
19.9% APR · 83% util
$12,390.4
/ $15,000
CH
Chase Sapphire
22.99% APR · 60% util
$4,820.55
/ $8,000
AM
Amex Gold
24.5% APR · 24% util
$1,210.18
/ $5,000
Click a tab to explore — Dashboard, Insights, Payoff plan
The toolkit
Everything you need. Nothing you don't.
01
Every card, even the empty ones.
Limit, balance, APR, utilization. The whole portfolio in one quiet view.
02
Promos that don't sneak up.
0% balance-transfer windows on a timeline so the snap-back never wins.
03
A payoff plan you'll actually follow.
Avalanche, snowball, or BT-priority — month by month, no spreadsheets.