信用卡結單日與到期日：小型團隊製作免費規劃工具 Card Due-Date & Pay Planner
Statement date vs due date: I built a tiny free planner because my own cards confused me
一個小型團隊製作了免費單頁工具 Card Due-Date & Pay Planner，讓用戶按下一個到期日查看各張信用卡的應付金額，以及各卡扣帳的訂閲服務。工具無須登入銀行帳戶或連結帳戶，資料儲存在用戶裝置的瀏覽器內，但不會跨裝置同步。到期日遇上週末時，工具會提示於星期五前付款，但不會自動更改日期。
Most of us with two or more credit cards know the feeling: a banking app shows a "statement balance", an email mentions a "due date", and the reminder you set in your phone's calendar is three weeks old. Missing one payment by a day can cost a late fee plus interest on the whole balance.
The confusion that started this
In Philippine credit card communities the same question comes up again and again: "Is there one app that shows the statement date and due date of all my cards?" (example threads: r/PHCreditCards, Mar 2026 and Jul 2024). Commenters recommend six different apps, while others say "just use your phone's calendar". No single answer wins.
What the statement date and due date mean
- Statement (cut-off) date: the bank totals your charges for the cycle. Whatever you buy after this date lands on the next bill.
- Due date: usually around 2–3 weeks later, depending on the bank. Pay the statement balance in full by then and you normally avoid interest.
What we built
The Card Due-Date & Pay Planner is a single page where you enter each card's statement day, due day and this cycle's amount, plus the subscriptions billed to it. It then shows:
- every card, ordered by the next due date
- how much to pay on each card this cycle
- which subscriptions (Netflix, Spotify, iCloud…) sit on which card, so a card swap doesn't break one of them
What it deliberately doesn't do
No bank login and no linking accounts, so it never sees your card numbers. Your card data stays on your device (saved in your browser). That means no sync across devices, which is a real trade-off.
How it was made
Honest note: we're a small team, and we built this with heavy AI help (code drafts, copy, research), then checked the date logic by hand. Edge cases: when a due date falls on a weekend, the planner shows a note to pay by Friday, because banks handle weekends differently. It doesn't move the date for you. We also handled statement days like the 31st in short months.
Try it / tell us what's wrong
It's free: https://vo-waitlist.pages.dev/tools/card-planner/?src=devto-card
I'd really like to hear about:
- Banks whose cycles don't fit "statement day + due day"
- Whether you'd want an .ics calendar export
Comments are open, and blunt feedback is welcome.
來源：DEV Community · dev.to