Credit Ninja: Track every credit card, due date and debt payoff

Hey Product Hunt! 👋 I'm Mahesh, the maker of Credit Ninja.

I'm a points-and-rewards guy, and over the years I ended up with 14 credit cards. Great for rewards, terrible for my sanity: 14 due dates, 14 statement dates and 14 apps. I pay in full every month and never want to pay a cent of interest, so after a couple of near-misses I built myself a spreadsheet to run it all.

What it does:

Payment calendar + payday planner so every bill is matched to a paycheck
Utilization tracker that tells you what to pay before the statement closes
Best card per spending category to maximize rewards
Debt payoff planner (avalanche or snowball) with your debt-free date

It's all formulas: no macros, no bank logins, no subscriptions. Works in Google Sheets and Excel. There's a Lite edition for simple tracking, Pro for everything, and a Bundle with a printable planner.

🎁 Product Hunt launch deal: 30% off with code LAUNCH30 through Nov 30.

I'd love your feedback: what would you want a card tracker to do that this doesn't yet?

Hey Product Hunt! 👋 I'm Mahesh, the maker of Credit Ninja.

What it does:

Payment calendar + payday planner so every bill is matched to a paycheck
Utilization tracker that tells you what to pay before the statement closes
Best card per spending category to maximize rewards
Debt payoff planner (avalanche or snowball) with your debt-free date

🎁 Product Hunt launch deal: 30% off with code LAUNCH30 through Nov 30.

I'd love your feedback: what would you want a card tracker to do that this doesn't yet?