Money Compass: Card Tracker
iOS app by Nexus Dynamic Technologies LLC. Finance · Nexus Dynamic Technologies LLC
- Store rating
- 0 / 5
- Store rating count
- 0
- Download price
- Free to download
- In-app purchases
- Unknown
- Version
- 1.0.1
- Listing last refreshed
- 2026-09-10
View the original store listing
Store description excerpt
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. Without an active subscription the app stays locked; there are no ads and no real card numbers are ever collected. You never enter a real credit card number. Not once. Money Compass lets you build custom cards using only the card's name — we suggest using the real name, like "Chase Sapphire" or "Amex Platinum," so your tracking stays effortless. The app generates a private random ID number 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, so you enter each day once and every future cycle is handled. KNOW EXACTLY WHICH CARD TO USE TODAY Smart Order ranks every card from safest to riskiest to use right now, weighing days until your DD, days until your CSD, current utilization, and your payday schedule. Tap any card to see 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 dollar amount you can still spend before you cross it. When a balance climbs too high or passes your limit, you get warned immediately — with the precise payment needed to get back to safe. AN AI ADVISOR THAT ACTUALLY KNOWS YOUR SITUATION The Smart Advisor sees your entire portfolio — every balance, limit, utilization percentage, CSD, DD, alert, and your payday — and gives CPA-level guidance with real numbers, not generic tips. Ask it to build a payment plan, find your payment conflicts, or explain which card is hurting your score. It also carries deep business credit and funding strategy knowledge: personal credit requirements, Net-30 vendor tradelines, PAYDEX targets, credit stacking, bank relationships, secured products, DSCR and lender criteria, SBA and line-of-credit paths, and multi-entity scaling. 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 your utilization, and files it in your history automatically. BUILT AROUND YOUR PAYCHECK Set weekly, biweekly, semimonthly, monthly, or a custom cycle. Money Compass aligns payment recommendations to your actual income so it never tells 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
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