Crnch
Less guesswork.
More control.
Built for people juggling many cards — so you know what to pay, when it matters, and how it affects utilization.
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Your dashboard
Placeholder — real app screens ship with beta.
Credit utilization isn’t linear — and issuers don’t treat it that way either.
Thresholds, timing, and where you send the next dollar can matter as much as how much you pay. Crnch is designed around that reality — not a one-size payoff calculator.
How it works
Almost a live app.
Three beats — connect, plan, act. Screens below are placeholders; the product flow matches what you’ll ship in beta.
Command
Utilization, spend capacity, and what matters this week.
See the full picture
Balances, limits, and timing — pulled together so you’re not guessing.
Wave plan
Know which card to fund and why, before statement dates.
Pay with a plan
Wave-style guidance that respects real budgets — not spreadsheet fantasy.
Autopilot
Optional. You stay in control of what executes.
Stay on course
Autopilot-style orchestration when you’re ready — start with clarity, add automation later.
Ready when you are.
Request access for early beta. US market — built for real multi-card portfolios.
We'll email you about early access. You can unsubscribe any time.