Track balances, statement dates, and payoff targets so you can act before the next reporting cycle.

This isn't a generic budget sheet. It's a mortgage-specific tracker for homebuyers preparing for preapproval, underwriting, or lender review who need to reduce reported credit card utilization before the next statement cycle.

For each card, you'll enter: card name, balance, limit, statement close date, payment date, target payoff amount, and reported utilization estimate. Then you'll time payments to land before each statement closes — so the lower balance is what gets reported to the bureaus.

Most lenders want utilization below 30%. Getting below 10% can meaningfully improve your profile. The tracker helps you hit those numbers on the report that actually gets pulled.

One-time purchase. Instant access. Use it right away.