Calculators and optimizers built for credit stackers. Plan your applications, track your APR deadlines, and maximize every card in your wallet.
Pick your cards from a 4,210-card catalog and get the best-card recommendation at checkout. Works without an account, on-device detection, no affiliate link hijacking.
ExtensionCalculate when your 0% APR promotional period ends. Track multiple cards and never miss a payment deadline.
CalculatorPlan your application sequence around Chase 5/24, Amex 2/90, and bank-specific cooling periods. 13 bank rules built in.
PlannerFind the best card combinations for your spending categories. Compare annual fee ROI and maximize points and cashback.
OptimizerGenerate FCRA-compliant dispute letters for late payments, collections, hard inquiries, charge-offs, and more. Metro 2 format, ready to mail.
Generator NEW12-question assessment that calculates your funding readiness across credit, business, and banking dimensions. Get a personalized Capital Blueprint.
Assessment NEWPer-card utilization breakdown, AZEO method optimizer, and exact paydown targets to hit 9% or less. Live calculations as you type.
Calculator NEWEnter your spending by category and see exactly when your premium card annual fee pays for itself. Month-by-month breakdown.
Calculator NEWSee what card to apply for next and the exact dates to downgrade, close, or call for a retention offer. Tracks 5/24, velocity, and annual fee timing in your browser.
Planner NEWPick a destination and see exactly how to book it with points — miles needed for economy or business, the best transfer partner, and which card earns it fastest.
Finder NEWEnter the points cost and cash price of any flight or hotel and instantly see if your redemption beats the typical value of your program.
CalculatorGet a personalized plan to earn enough points for your dream trip. 31 destinations, exact point costs, and a step-by-step card sequence.
PlannerCredit stacking works best with a 680+ score. If yours needs work, Dovly (free) uses AI to find and fix errors on your credit report automatically.