BalanceBuddy
FAQ
Take control of your credit card payments
BalanceBuddy calculates exactly how much to pay each card from every paycheck — so you never miss a due date or overspend. Sign in with a passkey to get started, or explore the free tools below without an account.
Everything you need to stay on top of your cards
Smart payment calculator
Tell BalanceBuddy your income, pay schedule, and expenses — it computes exactly how much to send each card from every paycheck so nothing falls behind.
Live dashboard
All your cards, balances, due dates, statement closing dates, and minimum payments on one screen, refreshed on demand.
Plaid-powered bank sync
Connect checking and credit-card accounts securely through Plaid so balances and amounts due update automatically — or add cards by hand.
Card benefits tracker
A built-in catalog of credits, statement perks, and bonuses across major cards. See what's available, used, and about to expire.
Points Simulator
Plug in your monthly spending and compare yearly point earnings across cards side by side. See the 2026 earning rates.
Transfer Partners
2026 transfer-ratio matrix for Bilt, Chase, Capital One, Citi, and Amex across dozens of airline and hotel partners. Compare ratios.
Award Pricer
Find the points cost to book a partner flight by route and cabin across airline mileage programs. See partner award pricing.
How it works
- Create your account with a passkey — no passwords to remember. Your device's biometric or PIN keeps it secure.
- Add your cards & income. Enter cards, set your salary and pay schedule, and optionally connect your bank through Plaid.
- Follow the plan. Your dashboard shows exactly how much to pay each card from every paycheck.