Loom: Cards, Bills & Budgets

Most credit card apps show you one card. Loom shows you all of them. Your bank's app can only tell you about its own statement. Loom puts every card in one place, so you can see what a month actually costs, which subscriptions are quietly renewing, and which bill is due next. WHAT IT DOES Overview — what you've spent this month, how that compares with the same point last month, and a projection of where the month is heading. Plus a daily trend and breakdowns by category and by card. Recurring charges — finds subscriptions across every card at once, totals what they cost per month and per year, predicts the next charge date, and flags price rises. It even notices when a subscription moves to a different card, which on separate statements looks like two unrelated charges. Statement cycles — a card bills on its cycle, not the calendar. "Spent in July" and "on the July statement" are different numbers, and only the second becomes a bill. Every card shows what the current statement has charged, how far through the cycle it is, when it closes, and when it falls due. Payment reminders — a notification a few days before each card is due, and again on the day. Insights and budgets — six months of history, which categories moved and by how much, monthly budgets per category, and your top merchants. Drill down — tap any category, merchant, subscription or budget to see the transactions behind it, with a total, a count and an average. Merchant matching is normalised, so one subscription finds every charge from it even when the card descriptors differ. PRIVACY Your cards, transactions and budgets are stored on your device. We do not collect them and cannot read them. No analytics. No advertising. No trackers. Nothing sold or shared. Connecting a bank is optional. You can add cards and transactions by hand and the app works fully that way. If you do connect one, you sign in on your bank's own page through our data provider, and the app never sees your banking details. Loom shows estimates, not statements. Your card issuer remains the authoritative record of what you owe and when it is due.