CRNCH: Credit Card Payoff

Know what you can safely spend today—and exactly which card to pay next. CRNCH turns your balances, limits, and monthly budget into a week-by-week credit card payoff plan designed to lower utilization without turning your life into a spreadsheet. How it works 1. Connect your cards through Plaid or add them manually 2. Set your monthly budget — the total you can put toward card payments 3. Crnch builds your plan in seconds The engine figures out the optimal order: which cards to hit first, how much to put on each, and which utilization thresholds you'll cross along the way. Every payment recalculates the plan automatically. Your plan, week by week Each wave is one round of payments. Crnch shows you the exact dollar amount for each card, the utilization impact, and why that card was chosen. When you finish a wave, the next one appears with updated numbers. Safe Spend simulator Need to make a purchase? Crnch shows you how much you can spend without crossing a scoring threshold — and if you need more, it splits the charge across cards to minimize the impact. What you see - Today: your daily brief — what to pay, what you can safely spend, and the best cards to use - Strategy: the full wave-by-wave roadmap with Spending Power projections - Cards: every card's balance, limit, usage band, and statement date - Settings: adjust your budget, manage your subscription, replay onboarding Built for your credit score Crnch doesn't just tell you to "pay more." It targets the utilization bands that scoring models actually care about — 90%, 70%, 50%, 30%, 10% — and crosses them in the order that moves your score fastest per dollar spent. Privacy-first Your financial data is encrypted in transit and at rest. Crnch never sells your data, never runs ads, and never shares your information with third parties for marketing. Bank connections are powered by Plaid, the same infrastructure used by Venmo, Robinhood, and thousands of other financial apps. Subscription Crnch Pro is an auto-renewing subscription: $8.99/month or $59.99/year. Purchased through the App Store; payment is charged to your Apple ID at confirmation and renews automatically unless canceled at least 24 hours before the period ends. Manage or cancel anytime in your Apple ID settings. Terms of Use (EULA): https://getcrnch.com/terms Privacy Policy: https://getcrnch.com/privacy