About BalanceBuddy
BalanceBuddy is a free personal-finance tool that calculates exactly how much to pay each of your credit cards from every paycheck — so you never miss a due date or overspend.
Independent project · Made for everyday cardholders
Why we built it
Juggling several credit cards is a timing problem as much as a math problem. Each card has its own statement closing date, its own due date, and its own minimum payment, while your money arrives on a different schedule entirely — every two weeks, twice a month, or monthly. Miss the alignment and you get a late fee or carry a balance you could have avoided. Spreadsheets help, but they go stale the moment a balance changes.
BalanceBuddy was built to do that timing math automatically. You tell it your income and pay schedule, add your cards, and it works out a per-paycheck plan: how much to send to each card, in what order, so every statement is covered before its due date.
What it does
- Smart payment calculator. Given your income, pay dates, balances, and due dates, it computes how much to pay 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.
- Optional bank sync via Plaid. Connect checking and credit-card accounts so balances and amounts due update automatically — or skip it and enter cards by hand.
- Card benefits tracker. A catalog of credits, statement perks, and bonuses across major cards, with usage and expiry tracking.
- Free rewards tools. A Points Simulator and a Transfer Partners comparison you can use without signing up.
How it works
- 1. Create an account with a passkey — your device's fingerprint, face, or PIN. There are no passwords to remember or leak.
- 2. Add your cards and income. Enter cards manually or connect a bank through Plaid for automatic syncing.
- 3. Follow the plan. Your dashboard shows exactly how much to pay each card from every paycheck.
Security & privacy first
Sign-in is passwordless through WebAuthn passkeys. When you connect a bank, your credentials go straight to Plaid through their hosted flow — we never see them — and the access tokens we store are encrypted at rest with AES-256-GCM. We don't sell or share your financial data. Read the details in our Privacy Policy.
Not financial advice
BalanceBuddy is a budgeting and planning aid. Its suggestions are estimates based on the data you and your linked institutions provide; they are not financial, tax, or legal advice. Always verify amounts with your bank and card issuer before paying. See our Terms of Use.
Questions?
Browse the FAQ or email us at support@balancebuddy.us. Ready to try it? Open BalanceBuddy.