# CardLab: Credit Card Tracker — Payoff, Interest & APR Sim

> Private credit card simulator for financial planning and education. (iPhone/iPad app by Sebastian Gonzales.)

- Source: https://appshunter.io/ios/app/cardlab-credit-card-tracker/id6785567188 (this page in markdown: same URL + `.md`)
- Developer: [Sebastian Gonzales](https://appshunter.io/developer/6782290306)
- Category: Finance, Education
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 17.0 · 12 MB
- Languages: American English, Arabic, Catalan, Croatian, Czech, Danish, Dutch, Finnish, French (France), German (Germany) and 23 more
- Released: 2026-07-10
- Data updated: 2026-08-25
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/cardlab-credit-card-tracker/id6785567188/reviews.md

## What is CardLab?

CardLab is a private credit card tracker and simulator: a personal sandbox where you can log your real cards and see exactly how a credit card behaves before any real money is on the line. No bank login. Nothing to sync or break.

Build a realistic practice card around your own situation: credit limit, balance, APR or monthly rate, statement date, due date, and payment rules. Then safely test purchases, payments, payoff plans, interest, rewards, installments, and cash advances on a clear visual timeline.

No bank login. No real card number. No CVV. No account required.

ON YOUR HOME SCREEN, LOCK SCREEN & SIRI
• Log a purchase or payment by voice with Siri or Shortcuts, hands-free
• Home Screen and Lock Screen widgets: balance, available credit, and utilization at a glance
• A payment-due countdown as a Live Activity in the Dynamic Island
• Optional statement-closing and payment-due reminders

SPLIT PAYMENTS & SPOTTING FRIENDS
• Simulate splitting a purchase into 3, 6, 12, 24, 36, 48, or 60 monthly installments — and see the real add-on cost and effective APR
• Cover a friend's purchase, track what they owe you back, and get a reminder to collect
• Start a purchase in one tap from your Home Screen widget

TRACK ALL YOUR CARDS
• My Cards gives you a wallet overview of every card: bank, APR, balance, available credit, and a utilization bar - plus your total balance and available credit across cards
• Log any purchase or payment on any date, so you can backdate and port months of real history into CardLab
• Your statements, interest, and grace periods recompute correctly from the full timeline
• Export any card's transaction history to CSV whenever you want your data

WHAT YOU CAN SIMULATE
• Statement date, due date, and the grace period
• Interest using the average daily balance method
• Minimum payment vs. paying more, and the months and interest you would save
• Credit utilization and an educational Credit Health Meter
• Rewards vs. interest, annual-fee breakeven, installments, and cash advances

HANDS-ON LABS
• Payoff Lab: compare minimum-only against a higher monthly payment
• Interest Lab: watch interest build day by day
• Rewards Lab: check whether cashback really beats your interest
• Utilization Lab: see how balances move your credit utilization
• Credit Score Lab: an educational what-if simulator showing how habits like utilization, on-time payments, and credit age generally move a score (directional and fictional, never your real score)

LEARN BY DOING
• What if I pay before the statement closes?
• What if I only pay the minimum?
• What if I carry a balance into next month?
• What if my cashback is smaller than my interest?
A built-in AI tutor explains your own numbers in plain language.

PRIVATE BY DESIGN
Local-first: your simulations stay on your device by default. Optional iCloud sync and an optional Cloud AI tutor are yours to switch on. We never sell your data.

IMPORTANT
CardLab is for education and planning only. It does not provide financial, legal, tax, or credit advice, and it does not calculate or predict your real credit score, approval, or any lender's decision. Issuer rules, fees, and interest can vary; figures are estimates based on the numbers you enter.

Terms of Use: https://getcardlab.app/#/terms
Privacy Policy: https://getcardlab.app/#/privacy

## Key features

- Credit card simulation
- No bank login required
- Siri and widget integration
- Split payment simulation
- Transaction history export
- AI-powered financial tutor

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| CardLab Cloud (Monthly) | $0.99 | per month |
| CardLab Cloud (Yearly) | $9.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| CardLab Pro | $4.99 | one-time |



## Frequently asked questions about CardLab

### 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.

## Version history (last 5 releases)

### 1.4.1 — 2026-08-21

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.

### 1.4 — 2026-08-14

Two new ways to stay ahead of your card.

• Card Calendar: track statement credits, the annual fee, and welcome-bonus deadlines, with a reminder before each one resets.
• Which card first: carrying more than one balance? See the payoff order that costs the least, and what the other one costs you.
• Delete a purchase or payment logged by mistake, with linked repayments cleaned up.
• Refinements and stability fixes throughout.

Thanks for using CardLab.

### 1.3.2 — 2026-07-28

A small fix update.

• When a friend pays you back, the reminder to collect from them now clears itself.
• Refinements and stability fixes throughout.

Thanks for using CardLab.

### 1.3.1 — 2026-07-13

A small polish update.

• Cleaner, easier-to-tap buttons on the cover-for-a-friend plan.
• Refinements and stability fixes throughout.

Thanks for using CardLab.

### 1.3 — 2026-07-12

Make CardLab yours, wherever you are.

• Any country, free: start your first card in any country, and add a second card there at no cost.
• Customize My Own: not on the list? Add your own country, currency, and rates.
• Cards by country: your wallet now groups cards into tidy, collapsible sections.
• Refinements and accuracy fixes throughout.

Thanks for using CardLab.

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## More apps by Sebastian Gonzales

- [Pondoro: Focus Timer Fish Game](https://appshunter.io/ios/app/pondoro-focus-timer-fish-game/id6782290304)
- [Vialie: GLP-1 Peptide Tracker](https://appshunter.io/ios/app/vialie-glp-1-peptide-tracker/id6786374041)

All apps by Sebastian Gonzales: https://appshunter.io/developer/6782290306

## Related topics

[credit card tracker budget](https://appshunter.io/ios/topics/credit-card-tracker-budget) · [credit card payoff](https://appshunter.io/ios/topics/credit-card-payoff)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*