Your card's details fill in for you
Pick a card we support and its credits, benefits and fee fill in from our card catalog. Check any detail marked pending final verification, add your dates, and mark what you use — no 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
Each statement credit shows when it resets, right there on the card, 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
Download a backup of your tracking records (a JSON file), or your cards, credits and what you've used as spreadsheet (CSV) files. Points balances and the record of credits matched for you aren't included. You never have to link a bank — MoneyRoom 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 filled in from the catalog |
| Know when a credit resets | Remember it, or dig through the terms | Every credit shows when it resets |
| 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; iOS app (coming soon) |
| 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 filled in from the catalog
Know when a credit resets
SpreadsheetRemember it, or dig through the terms
MoneyRoom FreeEvery credit shows when it resets
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; iOS app (coming soon)
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 cards, with every credit and fee tracked by hand, in-app reminders, and backup and export.
Plus
The smart reminder digest by email, Best Card (which of your cards to use for a purchase), Approval Odds (your chances before you apply), travel tools (points, airline alliances, lounges and transfer partners), your annual-fee history year by year, and Current Offers (Chase's rotating 5% categories).
Pro
Read-only card linking through Plaid, so supported credits are spotted for you (some need confirmation, others stay manual), spending by category, Needs Review (charges and credits waiting for your OK) and AI-safe export (a summary of your data you can give an AI assistant).
Questions
Questions from spreadsheet users.
Is it really free?
Yes. Free tracks every card you add, by hand — all their statement credits and annual fees — plus backup and export. It costs $0, and no credit card is needed.
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 cards we support, the credits, benefits and annual fee fill in for you, with a note where a detail is pending final verification. You add your dates and what you've used; MoneyRoom keeps track of when credits reset and does the annual-fee math.
Can I get my data out later?
Yes. Backup and export are free: a JSON backup of your cards, credits and benefits, usage history, and settings, plus CSV exports of your cards, credits, and usage.
What do I get if I upgrade?
Plus adds the smart reminder digest by email, Best Card (which of your cards to use for a purchase), Approval Odds (your chances before you apply), travel tools (points, airline alliances, lounges and transfer partners), your annual-fee history year by year, and Current Offers (Chase's rotating 5% categories). Pro adds read-only card linking through Plaid, so supported credits are spotted for you (some need confirmation, others stay manual), spending by category, Needs Review (charges and credits waiting for your OK) and AI-safe export (a summary of your data you can give an AI assistant).
Close the spreadsheet.
Bring your whole wallet into one place — free, in a couple of minutes.