Statement and due dates for every card
Add your cards once with their statement day and due day. Spendry shows what you owe on each and when you have to pay it.
Installments on your cards
Purchases split into installments show how many payments are left and the month the last one comes.
Minimum or full payment
Record a payment and the balance updates. The free card payoff calculator shows what paying only the minimum costs over time.
A reminder before it's due
Notifications arrive before every card payment, even when the app is closed. Mark the payment as done right from the notification.
How to track your cards
- Add each card with its limit, statement day and due day.
- Log purchases and installments, or bring them in from bank messages.
- Record payments when you make them.
- Let reminders tell you before each due date.
Why track cards in Spendry
- All cards on one screen with the total you owe.
- Your debt-free date includes your cards.
- No bank login, no data collected.
Free calculators
Credit card payoff calculator
Free credit card payoff calculator. Enter your balance, rate and monthly payment to see your payoff date, the total interest and what paying only the minimum costs.
Debt payoff calculator
Free debt payoff calculator: compare the snowball and avalanche methods and see the month you'll be debt-free and the interest you'll pay. No sign-up.
Guides
Statement date vs. due date: when should you pay?
The statement date closes your billing period; the due date is the last day to pay without a late fee. Here is how the two work and when to pay.
How to pay off credit card debt faster
Practical steps to pay off credit card debt faster: pay more than the minimum, aim extra money at the highest rate, never pay late and stop new balances.
What happens if you only pay the minimum
Paying only the minimum keeps your card in good standing, but most of it goes to interest. See how long it really takes and how a small extra payment helps.
Questions
What is the difference between the statement date and the due date?
The statement date closes the billing cycle and sets what you owe; the due date is the last day to pay it without interest or late fees.
Can it remind me before every card payment?
Yes. You get a notification before each due date, even if you never open the app, and can mark the payment as done from the notification.
Can I track card installments?
Yes. Each installment plan shows the payments left and the month of the last one.
Does it connect to my card issuer?
No. Spendry never asks for a bank login. You add your cards and record payments yourself.
