Lower utilization
Target payments that matter most to reported utilization — not just minimums.
Plan smarter. Pay smarter.
Know which cards
to pay before your
balances report.
Compare payment scenarios based on your balances, available budget, and statement dates to see how different payments may affect reported utilization.
Compare payment strategiesPlan around statement datesSee your next move
Overall utilization
27% Good
↓ 15% from previous plan
Projected as of
7 days
May 26, 2025
Recommended payment
$842
Across 3 cards
Top actions in this scenario
VISA
Chase Sapphire Preferred
Pay $432By May 15
›
CAP1
Capital One Venture X
Pay $310By May 19
›
DISC
Discover It
Pay $100By Jun 1
›
THE BENEFITS
Small payments. Big impact.
CardPlan helps you compare payment scenarios so you can plan with confidence.
Pay on purpose
Choose scenarios that align with your budget and statement dates.
Compare instead of guessing
See how each payment approach may change the scenario before you choose.
Build confidence
Review estimated outcomes side by side before deciding what to do.
FEATURES
Everything you need to plan smarter.
Powerful features. Simple experience. Built for real-life decisions.
Smart payment scenarios
Compare different payment amounts and see how they may affect utilization.
Statement-date tracking
Factor in your real statement dates to align with your goals.
What-if scenarios
Explore different payment options and estimated impact each time.
Progress dashboard
Visualize scenario results and utilization changes in one place.
OverviewPlanCardsHistory
Projected utilization
27%
Estimated
CardCurrentPaymentProjected
VISAChase Sapphire Preferred46%$432↓ 27%
CAP1Capital One Venture X43%$310↓ 31%
DISCDiscover It23%$100↓ 21%
Total$842
PLAN PAYMENTS. COMPARE TRADEOFFS.
We help you compare options,
so you can make informed choices.
Educational
payment-planning
scenarios
payment-planning
scenarios
Results
are
estimates
are
estimates
No credit-score
impact or changes
impact or changes
Built to help
you compare
options clearly
you compare
options clearly
PRICING
Simple pricing. Smarter payoff planning.
Start free, then upgrade when you want automatic tracking and ongoing guidance.
Free
Manual Plan
$0
A simple starting point for basic planning.
✓
Manual card entry
✓
Utilization snapshot
✓
Basic payoff guidance
✓
One active plan
Monthly
CardPlan Connected
$9.99
/month
Flexible monthly access with connected tracking and planning tools.
✓
Automatic balance updates
✓
Connect your cards
✓
Scenario planner
✓
Ongoing plan access
✓
Action checklist
$9.99/month. Renews monthly until canceled. By choosing Monthly, you agree to the Terms of Service and acknowledge the Privacy Policy.
Choose monthlyMost popular
Annual
CardPlan Connected
$99
/year
Save about 17% vs monthly
Best value for ongoing optimization throughout the year.
✓
Everything in Monthly
✓
Automatic balance updates
✓
Scenario planner
✓
Ongoing guidance
✓
Priority support
$99/year. Renews annually until canceled. By choosing Annual, you agree to the Terms of Service and acknowledge the Privacy Policy.
Choose annual
Private by design
Your data stays protected and is never sold.
Cancel anytime
No contracts. No long-term commitment.
COMPARE FEATURES
Find the right plan for how you plan.
Feature
Free
Manual Plan
$0
MonthlyCardPlan Connected
$9.99/month
AnnualCardPlan Connected
$99/year
Best valueManually add cardsEnter your card balances, credit limits, statement dates, APRs, and other details yourself.
✓
✓
✓
See utilizationSee how much of your available credit you're using overall and on each card.
✓
✓
✓
Basic guidanceGet a high-level view of your utilization and where you may want to take action.
✓
✓
✓
See which cards need attentionIdentify the cards that deserve the most attention based on your current situation.
✓
✓
✓
Connected cards automaticallySecurely connect eligible credit card accounts so CardPlan can retrieve available account and balance data for you.
—
✓
✓
Automatic balance refreshKeep connected card balances updated without manually re-entering them each time.
—
✓
✓
Exact payment allocationSee exactly how much of your available money CardPlan recommends putting toward each card.
Limited / locked
✓
✓
What to pay + whenGet specific payment amounts and recommended timing based on your cards, available cash, and statement dates.
Limited / locked
✓
✓
Plan recalculates as balances changeCardPlan updates your recommended payment plan as connected balances change.
—
✓
✓
Statement-date remindersGet reminders around important statement-closing dates so you know when action may be needed.
—
✓
✓
Saved/history of plansSave previous plans so you can refer back to recommendations and see how your situation has changed.
—
✓
✓
Ongoing plan monitoringCardPlan keeps watching your connected card situation and surfaces when your plan may need attention or adjustment.
—
✓
✓
See how CardPlan works
Track balances, compare scenarios,
and know exactly what to pay and when.
OverviewPlanSchedule
Total debt$24,560Across 6 cards
Payoff progress32%of debt paid
Monthly payment$825Recommended
Debt payoff progress
●────●────●────●────●
May 1 Jun 1 Jul 1 Aug 1 Sep 1Projected payoff14 monthsEst. payoff date
July 2026
July 2026