Real-time credit card spending tracker
See Your True Credit Card Balance. Every Day.
Track your real credit card spend across banks, including pending charges.
- ✔Clear daily balance snapshot
- ✔Share access with family
- ✔Teach responsible credit use
Choose Annual & Save 33%
Philosophy
Managing Your Spending Shouldn't Be Complicated.
CardTotal was built for households who want simple, daily clarity across their credit cards. No budgeting complexity. No confusing reports. No clutter. Just a clear, shared view of where you stand. And for families, a way to teach responsible credit use with real numbers.
Built for card users
Designed for People Who Use Credit Cards on Purpose.
One total across all cards
A daily spending snapshot that keeps your monthly credit card spending on track.
Built for rewards strategy
Track spending for points and rewards without losing control or adding work.
Pending included
Your total reflects what is actually happening, including pending transactions.
Comparison
A Simple Alternative to Budgeting Apps.
Traditional budgeting apps
- Categories and subcategories
- Tags and manual adjustments
- Full financial management suites
- Too much data for simple control
CardTotal
- One clear credit card total
- Track multiple cards at once
- Real-time monthly spend visibility
- No categorization required
Who CardTotal is for
- People who pay cards in full
- Reward maximizers
- Multi-card users
- Anyone who wants a daily spending snapshot
- Parents modeling smart habits
FAQ
Is CardTotal a budgeting app?
No. CardTotal is a credit card spending tracker designed for real-time clarity.
Does it include pending transactions?
Yes. Pending charges are included so your total reflects true spending.
Can I track multiple rewards cards?
Yes. CardTotal is built for managing spend across multiple rewards cards in one place.
Disclaimer: CardTotal is not affiliated with or endorsed by any third-party platforms or financial personalities.
How it works
Three Steps. No Learning Curve.
1
Connect your cards
Securely link your credit cards to see your total monthly spend in one place.
2
See your total instantly
A real-time snapshot with pending included, built for daily checking.
3
Stay on track
Know whether spending is aligned with your monthly goals without categories.
See it in action
Every feature you need. Nothing you don't.
All your cards in one place
Every linked card, its effective spend, and pending payments at a glance.
Pending payments tracked
Log upcoming payments so your effective balance reflects what's actually coming out.
Set your monthly target
Define your spending ceiling and the day it resets each month.
Plan ahead for big expenses
Add known upcoming costs before they hit so you don't spend money that's already spoken for.
Daily spending notifications
Get a push notification with your current balance and progress toward your monthly goal.
Pricing
Simple Pricing.
Individual
Real-time clarity for a single user.
$19.99
/yr
Just $1.66/month — Save 33%
- Up to 3 linked banks
- Clear total credit card balance
- Pending charges factored in
- Secure bank connections via Plaid
Family
The best value for households — share with up to 4 users.
$29.99
/yr
Just $2.50/month — Save 28%
- Up to 4 users
- Up to 3 linked banks
- Shared household balance visibility
- Child single-card view for supervised spending
- Pending charges factored in
Expand to 6 banks
Need more connections? Expand to six linked banks.
+$14.99
per year
Just $1.25/month — Save 16%
- 6 total linked banks
- Great for multi-institution setups
For Families
Child Single-Card View
The Family plan allows you to create a dedicated child view that:
- Displays only their assigned card
- Shows current balance including pending charges
- Set a custom spending goal for accountability
- Encourages accountability with a clear, simple view
- Builds responsible credit habits over time
Parents maintain full visibility.
Children see only what's relevant to them.
This is not about surveillance. It is about education.
Teach Smart Credit Habits Early
Most families do not talk about credit card usage until there is a problem. CardTotal makes it simple.
Instead of saying:
“Be careful with that card.”
You can show:
- “This is your current balance.”
- “These charges are pending.”
- “This is how credit works.”
Clarity builds responsibility.
Why Families Choose Annual
- ✔Save nearly $12 immediately
- ✔Lock in the lowest family rate
- ✔Keep your household aligned all year
- ✔Build consistent financial awareness
If you're serious about teaching responsible credit use, Annual just makes sense.
Blog
Mint alternative · credit cards
CardTotal: A Mint Alternative for Tracking Credit Card Spending
Tried Mint, Monarch, and EveryDollar — but still couldn't get a clear picture of total credit card spending. Here's the problem CardTotal was built to solve.
track spending for credit card points
Managing Rewards Cards Without Losing Spending Control
Placeholder excerpt. Link to the full post when published.
daily spending snapshot
Why Daily Spending Visibility Beats Categories
Placeholder excerpt. Link to the full post when published.
family credit habits
How to Teach Teens Responsible Credit Card Use
Placeholder excerpt. Link to the full post when published.
authorized user card
Should You Give Your Teen an Authorized User Card?
Placeholder excerpt. Link to the full post when published.
family credit card tracking
Best Way to Monitor Family Credit Card Spending
Placeholder excerpt. Link to the full post when published.
pending charges tracker
How to Track Pending Charges Across Multiple Credit Cards
Placeholder excerpt. Link to the full post when published.
Security
Your Data Is Protected at Every Layer.
How your bank connection is secured
No Credential Sharing
CardTotal never sees or stores your bank username or password. Plaid verifies directly with your financial institution and only shares the data you approve.
Read-Only Access
Plaid provides read-only access. CardTotal can view your balances — but cannot move money, initiate transfers, or make any changes to your accounts.
AES-256 + TLS Encryption
All data in transit is protected by TLS. Data at rest uses AES-256 encryption — the same standard used by major banks and cloud providers.
Multi-Factor Authentication
Every connection is protected by MFA including one-time codes and biometric authentication, adding a layer of defense against unauthorized access.
You Stay in Control
Through the Plaid Portal you can view all active connections, manage what data is shared, or disconnect your accounts at any time.
What CardTotal never stores
We designed CardTotal to need as little data as possible.
How CardTotal secures your data
Access Tokens: AES-256-GCM
Plaid access tokens are encrypted with AES-256-GCM before storage — the same algorithm used by banks. Even a full database dump would yield unusable encrypted blobs.
Passwords: bcrypt
Passwords are hashed with bcrypt before storage. Your plaintext password is never stored, logged, or transmitted after the initial hash.
Sessions: 256-bit Secure Tokens
Session tokens are cryptographically random 256-bit values, stored in httpOnly, Secure, SameSite:Strict cookies — inaccessible to JavaScript and resistant to cross-site attacks.
2FA + WebAuthn Biometrics
Every login requires a 6-digit email code (single use, 10-min TTL). Biometric logins use WebAuthn — your private key never leaves your device.
Get started today.
Real-time credit card spend clarity, without budgeting complexity.