About
We built the statement-credit tracker we couldn't find.
Cards with an annual fee come with statement credits — money back on your bill for things like dining or travel — and they're easy to lose track of. MoneyRoom tracks them for you, privately, and never sells your data.
The problem
The facts you need are scattered.
What a card earns is buried in the bank's terms. Each credit resets on its own schedule. Points sit in separate programs. Lounge access depends on the card, the airport and the rules. And a charge only shows up after you've picked the card.
Why one app
One place, because card choices are connected.
One choice touches many things. The card you use can count toward a credit, add to a points balance, get you into a lounge, and show up in your spending later. So MoneyRoom keeps them together.
How we build it
Four rules we follow.
Show our work.
A suggestion should show which of your cards and which spending category it's based on, not just give an answer.
Linking a bank is your choice.
Tracking by hand is a full way to use MoneyRoom. Linking a bank is optional, and you should see what it can and can't do before you turn it on.
Keep each credit's schedule.
Credits reset on different schedules. Each period, what you used in it, and its history stay visible instead of being lumped into one total.
Make leaving easy.
Exporting your data, disconnecting a bank, turning off reminders and deleting your account are built in from the start, not added later.
In the app
What those rules look like.
MoneyRoom can be used by hand. Linking a bank is optional and goes through Plaid. Settings has controls to export your data, disconnect a bank, choose your reminders, and delete your account.
- A
Your cards
Card suggestions start with the cards you actually carry.
- B
Each credit's period
What you've used stays tied to the period it counts toward.
- C
Your bank link
If you link a bank, its read-only data stays clearly separate from card terms and your own entries.
- D
Your next card
Your spending can help you pick your next card, without hiding what's uncertain.
Next step
See what it does. Then check what it can't do.
What a product does matters only if its controls, bank link and limits are just as clear.