The catalog gives you a head start
Add a supported catalog card to pre-load its listed credits, benefits, and fee. Check any pending-verification notes, add your dates, and record usage — no spreadsheet formulas to set up.
One place for every card
Ditch the credit-card spreadsheet.
If you're keeping track of your cards by hand — a spreadsheet, notes, or just memory — MoneyRoom brings it all into one place. Every card in your wallet, its statement credits and annual fees, tracked for you. Free, unlimited cards, no bank connection required.
No credit card. No bank connection. $0.
Sound familiar?
A spreadsheet makes you do all the work.
- You rebuild the same formulas every time you open a new card.
- You try to remember which statement credits reset monthly, quarterly, or once a year.
- You do the annual-fee math by hand to decide whether a card still earns its keep.
- The file lives on one laptop — never with you when a credit is about to expire.
- Every new card means another row, more columns, and one more thing to maintain.
What MoneyRoom does instead
The same tracking — without the formulas.
Every credit, used or unused
Track each statement credit per card with its real reset rule shown right there — so you always know what's left before it's gone.
The annual-fee math, done for you
The free Annual Fee Calculator weighs a card's yearly credits and benefits against its fee, so "is this worth keeping?" is a glance, not a formula.
Your whole wallet, not two cards
Track unlimited cards for free. Add every card you carry — the more you have, the more a spreadsheet was costing you.
Your data stays yours
Back up supported tracking records as JSON, or export cards, credits, and usage as CSV. Points balances and engine-event history are not included. No bank connection is required to use MoneyRoom — it works fully by hand, just faster than a sheet.
Side by side
Spreadsheet vs. MoneyRoom Free.
| The task | Spreadsheet | MoneyRoom (Free) |
|---|---|---|
| Add a new card | New row, new columns, look up every credit yourself | A few taps — credits and fee pre-loaded from the catalog |
| Know when a credit resets | Remember it, or dig through the terms | The reset rule is shown on every credit |
| Decide if a card is worth its fee | Do the math by hand | The free Annual Fee Calculator does it for you |
| How many cards you can track | As many rows as you'll keep maintaining | Unlimited, free |
| Where you can open it | One file, one device | Any browser, plus the iOS app |
| What it costs | Free — but it costs you your time | Free — $0, no bank connection required |
Add a new card
SpreadsheetNew row, new columns, look up every credit yourself
MoneyRoom FreeA few taps — credits and fee pre-loaded from the catalog
Know when a credit resets
SpreadsheetRemember it, or dig through the terms
MoneyRoom FreeThe reset rule is shown on every credit
Decide if a card is worth its fee
SpreadsheetDo the math by hand
MoneyRoom FreeThe free Annual Fee Calculator does it for you
How many cards you can track
SpreadsheetAs many rows as you'll keep maintaining
MoneyRoom FreeUnlimited, free
Where you can open it
SpreadsheetOne file, one device
MoneyRoom FreeAny browser, plus the iOS app
What it costs
SpreadsheetFree — but it costs you your time
MoneyRoom FreeFree — $0, no bank connection required
When you want more
Free replaces the spreadsheet. Paid removes the work.
Free
Unlimited manual card tracking — your whole wallet's credits and fees, on screen, at $0.
Plus
The smart reminder digest (email; push in the iOS app) before credits expire and fees hit, plus multi-year annual-fee ROI and history.
Pro
Connect your bank read-only on Pro and MoneyRoom detects supported statement credits as they post. Some need confirmation; others stay manual.
Questions
Spreadsheet-switcher FAQ.
Is it really free?
Yes. The free plan includes unlimited manual card tracking — your whole wallet's statement credits and annual fees — plus backup and export, at $0 and no credit card required.
Do I have to connect my bank?
No. MoneyRoom works fully by hand: you add cards from the catalog and mark credits yourself. Connecting a bank is an optional Pro feature, never a requirement.
How many cards can I track for free?
Unlimited, on every plan including Free. There is no card limit — add every card in your wallet.
How is this better than a credit-card spreadsheet?
For supported cards, the catalog pre-loads listed credits, benefits, and annual fees, with pending-verification notes where needed. You enter dates and usage; MoneyRoom handles the reset rules and annual-fee arithmetic.
Can I get my data out later?
Yes. Backup and export are free, and your data is yours to take with you at any time.
What do I get if I upgrade?
Plus adds the smart reminder digest by email and push in the iOS app before credits expire and fees hit, plus multi-year annual-fee ROI and history. Pro connects your bank read-only to detect supported statement credits automatically. Some need confirmation; others stay manual.
Close the spreadsheet.
Bring your whole wallet into one place — free, in a couple of minutes.