# PaySmart: Credit Card Tracker — Bill reminders & debt payoff

> Organize and monitor credit cards and loans in one place. (iPhone/iPad app by Daniel Jetzer.)

- Source: https://appshunter.io/ios/app/paysmart-credit-card-tracker/id6758014621 (this page in markdown: same URL + `.md`)
- Developer: [Daniel Jetzer](https://appshunter.io/developer/1870282299)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 26.2 · 13 MB
- Languages: American English
- Released: 2026-02-04
- Data updated: 2026-09-01
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/paysmart-credit-card-tracker/id6758014621/reviews.md

## What is PaySmart?

No ads. No data selling. No bank login required.

PaySmart shows every credit card, loan and mortgage in one place — balances, limits, utilization and due dates — and keeps it all on your iPhone. Free for 2 accounts. $9.99 a year for unlimited.

WHAT IT DOES
- Add credit cards, personal loans, auto loans and mortgages
- Track balances, credit limits, and utilization per card and overall
- Save statement close dates and payment due dates
- Payment reminders 1–7 days before due, per card
- Minimum-payment insights: how long payoff takes, and what the interest costs
- Optional: connect accounts with Plaid to update balances automatically
- Keep payment links and account details handy

WHY IT'S DIFFERENT
Your data is stored on your device, not on our server. There's no account to create, no bank connection required, and no ads — because nobody is paying us for access to you. PaySmart is funded by the people who buy Pro. That's the whole business model.

If your last budgeting app shut down and took your data with it: that can't happen here. There's no server to switch off. An installed copy keeps working.

FREE VS PRO
Free — up to 2 accounts, utilization tracking, payment reminders, no ads.
Pro — unlimited accounts, minimum-payment insights, debt payoff projections, optional bank sync, priority support. $0.99/month or $9.99/year.

Pro is an auto-renewing subscription through the App Store. It renews unless cancelled at least 24 hours before the period ends; manage or cancel any time in your Apple Account settings.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.paysmartapp.net/privacy-policy

## Key features

- Add credit cards, loans, and mortgages
- Connect with Plaid for automatic balance updates
- Track balances, limits, and utilization
- Save statement close and payment due dates
- Store payment links and account details
- Privacy-conscious design

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| PaySmart Pro | $0.99 | per month |
| PaySmart Pro | $9.99 | per year |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/paysmart-credit-card-tracker/id6758014621/reviews.md

### 5/5 — Simple and secure

*2026-05-25*

This app makes it so easy to keep track of all my balances and payments. I love that it’s secure and doesn’t require connecting my bank accounts or sharing login details. The interface is clean and very user-friendly. It has helped me stay organized without any hassle. Highly recommended for anyone looking to manage their finances more efficiently!

### 5/5 — Great app for tracking my cards

*2026-04-12*

This is a great app for tracking my cards and what I owe and when I owe it keeps me on top of everything and it works very well and most importantly, it very secure. I recommend it to all my friends.

### 5/5 — Simple and to the point!

*2026-02-26*

First, let me just say I’ve tried almost every credit card tracking app out there. Most of them are bogged down with features that sound impressive but make it harder to actually use the app.

This one is different.
I can quickly see what I owe, track progress, and stay organized without getting lost in endless menus. If you’re someone who wants clarity instead of clutter, this app is worth it.

## Frequently asked questions about PaySmart

### How does PaySmart help manage credit and payments?

PaySmart consolidates your credit cards and loans, providing a clear view of balances, upcoming payments, and credit utilization trends. It helps you avoid manual tracking with features like Plaid integration and saved due dates.

### What types of accounts can I add to PaySmart?

You can add credit cards, personal loans, auto loans, and mortgages to PaySmart. This allows for comprehensive tracking of all your debt obligations in one application.

### Does PaySmart offer automatic account syncing?

Yes, PaySmart supports connecting with Plaid to automatically pull balances from supported financial institutions. This feature simplifies keeping your account information up-to-date.

### Is PaySmart secure for my financial information?

PaySmart is designed with a privacy-conscious approach. While it uses Plaid for secure connections, users should always review the app's privacy policy for detailed information on data handling.

### What devices is PaySmart available on?

PaySmart is available on iPhone and iPad devices. It is designed for mobile use on Apple's iOS platform.

### How often is PaySmart updated?

The latest version, 1.1, was released on February 21, 2026, indicating recent development activity. Updates typically address bugs, improve performance, and may introduce new features.

### What is the age rating for PaySmart?

PaySmart has an age rating of 4+, making it suitable for a wide range of users. This rating suggests it contains no mature content.

### Does PaySmart have ads?

No, PaySmart does not contain advertisements. Its monetization relies on in-app purchases, ensuring an ad-free user experience.

## Version history (last 5 releases)

### 1.4 — 2026-08-20

- Updated App Store listing and support links
- Minor fixes and polish

PaySmart still stores everything on your device. No account, no tracking, no ads.

### 1.3 — 2026-08-06

• Mark as Paid — track which bills you've already paid this cycle
• Fixed payment status badges (Overdue, Due Soon, On Track, Paid)
• Pro: customize reminder timing (1–7 days before due)
• Improved account security and stability fixes

### 1.2 — 2026-05-22

Improved performance and stability. Tap + to add a credit card, loan, or mortgage and stay on top of every payment due date.

### 1.1 — 2026-02-21

•	Improved Accounts dashboard styling and readability (more consistent card colors across account types).
	•	Updated utilization views and breakdown screen for clearer credit usage insights.
	•	Added optional Demo Mode for App Review (Settings → tap Version 7 times to reveal App Review controls).
	•	General UI polish and stability improvements.

### 1.0 — 2026-02-04

No release notes.

## Apps similar to PaySmart

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Amerant Investments](https://appshunter.io/ios/app/amerant-investments/id1511739610) | 4.8 (17) | Free | Finance |
| [Bridgeover](https://appshunter.io/ios/app/bridgeover/id6449384243) | 5.0 (4) | Free | Finance |
| [First Liberty Bank](https://appshunter.io/ios/app/first-liberty-bank/id1544848515) | 4.8 (891) | Free | Finance |
| [Pioneer Mutual FCU](https://appshunter.io/ios/app/pioneer-mutual-fcu/id1484994400) | 3.0 (12) | Free | Finance |
| [Credit Card Tracker: CardStack](https://appshunter.io/ios/app/credit-card-tracker-cardstack/id6759270863) | 4.5 (42) | Free | Finance |
| [Griffin Gold](https://appshunter.io/ios/app/griffin-gold/id6460034387) | 5.0 (1) | Free | Finance |

## More apps by Daniel Jetzer

- [PlantMD: Plant Care & Doctor](https://appshunter.io/ios/app/plantmd-plant-care-and-doctor/id6791327820)

All apps by Daniel Jetzer: https://appshunter.io/developer/1870282299

## Related topics

[debt tracker payment](https://appshunter.io/ios/topics/debt-tracker-payment)

---

*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 2026-09-01.*