CardLab: Credit Card Tracker
Payoff, Interest & APR Sim
About
This app allows you to simulate credit card usage without connecting to your bank. You can test purchases, payments, and payoff plans to understand interest, rewards, and credit utilization. It offers hands-free logging via Siri and home screen widgets for at-a-glance information.
What's New in CardLab
1.4.1
August 21, 2026
Easier to find as a credit card tracker and simulator. • Stronger App Store match for credit card tracker, interest, APR, and simulator searches. • Banking and bank searches still work. • Same private, on-device labs for statements, utilization, rewards, installments, and payment reminders. Thanks for using CardLab.
MoreSubscription plans
CardLab Cloud (Monthly)
Cloud AI tutor on every device
In-App Purchases
$4.99
CardLab Pro
Unlock every simulator, preset, and lesson
Developer apps
FAQ
Does CardLab have ads?
No, CardLab is ad-free, allowing for an uninterrupted simulation experience. This means you can focus on your financial planning without any advertisements interrupting your workflow.
What is the cost of CardLab Cloud?
CardLab Cloud offers two subscription plans: a monthly option for $0.99 and a yearly option for $9.99. These plans enable iCloud sync and access to the Cloud AI tutor.
How secure is CardLab?
CardLab is designed with privacy in mind, operating locally on your device by default. It does not require bank logins, real card numbers, CVVs, or account creation, ensuring your financial data remains private.
What devices does CardLab support?
CardLab is available on iPhone and iPad devices. This allows users to manage and simulate their credit card usage across their Apple ecosystem.
How often is CardLab updated?
The latest version of CardLab is 1.4, and it was last updated on August 14, 2026. Regular updates ensure the app remains functional and incorporates new features or improvements.
Can I export my transaction history from CardLab?
Yes, you can export any card's transaction history to CSV format whenever you wish. This feature allows you to retain your simulated data for external analysis or record-keeping.
What kind of simulations can I perform with CardLab?
CardLab allows you to simulate statement and due dates, interest accrual, minimum vs. higher payments, credit utilization, rewards, installments, and cash advances. It also includes educational labs for credit score and payoff scenarios.
What is the age rating for CardLab?
CardLab has an age rating of 4+. This indicates it is suitable for a wide audience and does not contain content inappropriate for younger users.
