Credit Card Tracker Spreadsheet, Utilization, Due Dates, Annual Fees and Rewards, Google Sheets Excel

CREDIT CARD TRACKER SPREADSHEET FOR GOOGLE SHEETS AND EXCEL
Log every card once, update each statement, and utilization, due dates, and status work themselves out — Paid, Due soon, Late, or Upcoming, card by card and overall.

📊 WHAT IT DOES
✓ Cards: one row per card — nickname, issuer, credit limit, APR, statement day, due day, annual fee and the month it posts, and your rewards rate. Up to 8 cards.
✓ Monthly Log: one row per card, per statement — balance and payment. Due date, utilization, and status fill in on their own.
✓ Dashboard: every card's limit, balance, utilization, and status in one table, plus total annual fees and how many cards are due soon or late.
✓ Dashboard: a chart of utilization by card, and a chart of your overall utilization over the last 12 closed months.
✓ Start here: type your name (optional) and open Cards — every number after that comes from what you log.

📂 WHAT'S INSIDE: 4 TABS AND 2 CHARTS
✓ Start here: a one-cell start, then straight to Cards
✓ Cards: up to 8 cards, four cards, and the full list
✓ Monthly Log: four cards, and every statement you've logged
✓ Dashboard: four cards, the card-by-card table, and two charts

📝 HOW IT WORKS
1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Cards, add each card — limit, APR, statement day, due day, and annual fee.
3. Every month, add a row on Monthly Log with the statement balance and what you paid.
4. Open Dashboard any time for utilization, due dates, and status at a glance.

📥 WHAT YOU GET
✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac
✓ A filled example to look around, and a blank copy for your own cards
✓ A PDF guide with screenshots, the links and the first steps
✓ A video guide for this planner (the link is in the PDF)

💻 GOOD TO KNOW
✓ Works with a free Google account. No app, no ads, no subscription.
✓ Statement day and due day are just the day of the month — the sheet works out which calendar month each one falls in.
✓ Utilization is balance divided by limit, card by card and combined — under 10%, 10-30%, and over 30% are colored so you can see it at a glance.
✓ Rewards rate is a label you set per card — it's yours to fill in, not a built-in rewards calculator.
✓ Type only in the lighter input cells. Formulas are protected: Google Sheets warns you before you change one, and Excel keeps them locked.
✓ Best on a computer for setup. The Google Sheets app works for a quick check on your phone.
✓ The Excel version may look slightly different from the photos (fonts, colors, charts). The photos show Google Sheets. Links between tabs work in Google Sheets.
✓ English only. Not made for Apple Numbers.
✓ Free updates for life.

This is a digital download. Nothing will be shipped. Because it is a digital file, it can't be returned, but if anything is unclear, message me and I will help you set it up.