Credit card and statement, with no surprise on the due date
Set the credit limit, the closing day and the due day. From then on, every purchase lands on the right statement, and installments show up in every month still to come.
Free. Reading a PDF statement is Pro
The purchase goes on the right statement
If the card closes on the 20th, a purchase on the 22nd already belongs to the next statement. The app does that math for you, and the Accounts screen shows the balance after statements: what you really have.
Installments show up in every month
A purchase in 10 installments becomes ten installments, each on the statement of its month, marked 3 of 10, 4 of 10. Next month already shows what is committed.
On screen
The cycle's statement with each purchase, the payment and the credit available.
The balance of every account, with what is available and what is still owed on the card. 
Bills due in the next 30 days, outside the balance until you confirm them.
The limit that counts is the committed one
Credit use adds up all open statements, not just this month's. If you split a big purchase, you see it in the number, instead of a misleading 0% of your limit.
A warning before, not after
The app reminds you of the statement due date and warns you when a statement is closing with high use. Paying the statement becomes a transfer from the account to the card, and the account balance follows.
Questions
Can I have more than one credit card?
Yes, as many as you like, each with its own credit limit, closing date and due date.
Can I import the statement instead of logging purchases one by one?
Yes. In Pro, AI reads the statement PDF and separates every purchase and installment. You review everything before saving. Credit card files in CSV, OFX or QFX also import for free.
Does the app connect to my credit card?
No. My Two Cents never asks for a bank or card login. You log or import.
See also
Import statements
Download the activity file from your bank and open it in My Two Cents. The entries arrive categorized, you review them and confirm.
Financial Health Score
The Financial Health Score sums up the month in one number and shows where it comes from. It is calculated on your iPhone, with no AI, using fixed rules you can check.
Budgets and goals
Say how much you want to spend in each category and how much you want to save for each goal. The app tracks both and warns you before you go off plan.
Start with the next purchase.
Free on iPhone and Android. Pro is $3.99 a month, with a 7-day free trial.
Point your iPhone camera here.
Point your Android camera here.