# Money Compass: Card Tracker — Card due dates, done right

> Card due dates, done right (iPhone/iPad app by Nexus Dynamic Technologies LLC.)

- Source: https://appshunter.io/ios/app/money-compass-card-tracker/id6805590407 (this page in markdown: same URL + `.md`)
- Developer: [Nexus Dynamic Technologies LLC](https://appshunter.io/developer/1866060981)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 12 MB
- Languages: American English
- Released: 2026-09-01
- Data updated: 2026-10-01

## What is Money Compass?

SUBSCRIPTION REQUIRED: Money Compass is free to download. Full access requires an auto-renewing monthly subscription - your first month is $0.49, then $0.99/month charged to your Apple ID until cancelled. Manage or cancel anytime in your App Store account settings. Not ready to subscribe? Tap "Take a Look First" to explore every screen with sample cards and a full Smart Advisor conversation - preview data is never saved. No ads. No real card numbers, ever.

Money Compass builds custom cards using only the card's name — use the real name, like "Chase Sapphire" or "Amex Platinum," so tracking stays effortless. The app generates a private random ID for each card automatically. No card numbers. No CVV codes. No expiration dates. No bank logins. No Social Security numbers. Ever.

THE TWO DATES THAT DECIDE YOUR CREDIT SCORE

CSD (Closing Statement Date) is the day your balance gets reported to the bureaus. DD (Due Date) is the day your payment is owed. Paying before your CSD is what actually lowers your reported utilization. Money Compass tracks both on every card — CSD always shown first — and both repeat monthly: enter each day once.

KNOW EXACTLY WHICH CARD TO USE TODAY

Smart Order ranks every card from safest to riskiest to use right now, weighing days until DD, days until CSD, utilization, and payday. Tap any card for the exact reasoning.

STAY UNDER 30% WITHOUT DOING MATH

Every card shows a live utilization meter with the 30% safe zone marked, plus the exact amount you can still spend before crossing it. When a balance climbs too high or passes your limit, you're warned immediately with the precise payment needed to get back to safe.

REMINDERS THAT FOLLOW YOU OUT OF THE APP

Local notifications put a red badge on the app icon even when the app is closed. Each names the card and the exact reason: "DD in 2 days — Chase Sapphire" or "CSD today — Amex Gold". Reminders are generated on-device — no push server, no third parties — and you approve notifications before anything is scheduled.

AN AI ADVISOR THAT ACTUALLY KNOWS YOUR SITUATION

The Smart Advisor sees your entire portfolio — balances, limits, utilization, CSD, DD, alerts, payday — and gives CPA-level guidance with real numbers, not generic tips. Ask it to build a payment plan, find payment conflicts, or explain which card is hurting your score. It also carries deep business credit and funding strategy knowledge: Net-30 vendor tradelines, PAYDEX targets, credit stacking, bank relationships, DSCR criteria, SBA and line-of-credit paths, and multi-entity scaling — and it can even add a card for you through conversation.

LOG SPENDING BY TYPING A SENTENCE

Type "spent $30 at McDonald's" or "I paid $200" and Money Compass categorizes it, updates your balance, recalculates utilization, and files it in your history automatically.

BUILT AROUND YOUR PAYCHECK

Set weekly, biweekly, semimonthly, monthly, or a custom cycle. Payment recommendations align to your actual income, so it never asks you to pay money you don't have yet.

YOUR DATA STAYS YOURS

• Everything is stored on your device — fully offline
• Nothing is ever sold, shared, or advertised against
• No account, no sign-up, no tracking
• Every save is verified and automatically backed up
• Your history is permanent — the app never deletes your records

ALSO INCLUDED

• Up to 100 cards, each with 100+ color themes
• Recurring subscription tracking that charges itself on schedule
• Payment optimizer showing exactly what to pay to hit your target utilization
• Alerts for due dates, closing dates, high utilization, and over-limit balances
• Permanent transaction history, grouped by day

Created by Nexus Dynamic Technologies.

By subscribing you agree to our Terms of Use: https://rkvet86s0gxzzpeeuehjn-web.rork.live/terms and Privacy Policy: https://rkvet86s0gxzzpeeuehjn-web.rork.live/privacy. Standard Apple EULA applies: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Money Compass Monthly | $0.99 | per month |


## Is Money Compass safe?

Not enough ratings yet to assess Money Compass.

## Is Money Compass legit?

Money Compass: Card Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Money Compass is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 5 releases)

### 1.0.4 — 2026-09-27

NEW: AI Organise — one tap on the Dashboard reorders your cards into the best payment order, so no DD or CSD is ever missed or stacked. Plus: same-day alerts that fire in real time — 'Payment due today' and 'CSD today' name the exact card the moment its day arrives, whether the app is open or closed.

### 1.0.3 — 2026-09-17

NEW: Reminders that follow you out of the app — local notifications for upcoming DD and CSD days, overspending and utilization warnings, and a red badge count on the app icon. Every reminder is generated on-device and says exactly which card it's about. Also new in recent versions: Take a Look First preview.

### 1.0.2 — 2026-09-13

NEW: Take a Look First - explore every screen of Money Compass with sample cards, live CSD/DD alerts, and a full Smart Advisor conversation before you subscribe.

### 1.0.1 — 2026-09-03

Fresh new app icon — the Money Compass card & magnifier mark, now on your Home Screen.

### 1.0.0 — 2026-09-01

No release notes.

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## More apps by Nexus Dynamic Technologies LLC

- [Edit Empire](https://appshunter.io/ios/app/edit-empire/id6757320420)
- [Edit Empire Pro](https://appshunter.io/ios/app/edit-empire-pro/id6759440011)
- [The Apologos: BIBLE](https://appshunter.io/ios/app/the-apologos-bible/id6804003939)
- [Business Link: Digital Cards](https://appshunter.io/ios/app/business-link-digital-cards/id6807219188)

All apps by Nexus Dynamic Technologies LLC: https://appshunter.io/developer/1866060981

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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 2026-10-01.*