Stop watching your credit card balance.
Watch it shrink instead.
Every payment auto-syncs from Plaid. LazeeFish tracks your outstanding balance, computes monthly interest, and shows your exact payoff date — free.
Most people track spending.
Not what they owe.
There’s a big difference between tracking what you charge to your credit card and tracking the debt you’re carrying. Most budgeting apps only do the former.
A $200 minimum payment on a $6,000 balance at 22.99% APR looks like progress. Here’s the breakdown: $115 goes to interest, $85 reduces your principal. At that rate, you’re debt-free in 12 years — and you’ll have paid $4,800 in interest along the way.
LazeeFish tracks the debt itself — the outstanding principal — not just the purchases you made on the card. Every payment you make reduces a live balance. You can see exactly where you stand and when you’ll be done.
Credit card tracking
inside LazeeFish.
Your card gets a debt envelope. Every transaction — charge or payment — flows through it. The balance is always live.
Your CC gets a debt envelope
The envelope holds your current principal owed, shown as a negative balance. It’s not a spending category — it’s a liability tracker. You see exactly what you owe at any moment.
Every charge is a paired transaction
A restaurant charge hits two places: the “Food” spending envelope and the CC debt envelope as an offset. Your spending categories stay accurate and the outstanding balance stays current — automatically.
Monthly interest posts automatically
LazeeFish computes interest based on average daily balance and your card’s APR, then posts it to the envelope at month-end. No manual entry. Your balance reflects the true cost of carrying debt.
Track minimum vs. actual payment
See your minimum required payment alongside what you’re actually paying. The difference directly affects your payoff date projection. Pay $50 more per month and LazeeFish shows you exactly how many months it saves.
Avalanche vs snowball.
Side by side.
If you have more than one card, LazeeFish shows you both strategies simultaneously so you can see the real cost difference before choosing a path.
Snowball targets your smallest balance first, regardless of interest rate. It’s psychologically satisfying — you wipe out cards faster and see progress.
Avalanche targets your highest APR first. For credit cards especially — where rates run 20–29% — this almost always wins on total interest paid. The compounding at those rates is brutal.
LazeeFish shows you both projections with your actual balances and APRs, so the savings aren’t hypothetical — they’re your numbers.
LazeeFish computes this with your exact balances, APRs, and extra payment amount. The $1,200 above is illustrative — your real savings may be higher.
Most apps track spending on your card.
LazeeFish tracks the debt.
That’s not a minor distinction. Spending tracking tells you where money went. Debt tracking tells you where you stand.
Charges and payments both hit the envelope
Your balance is updated by every transaction that touches the card. It’s never out of date. No need to manually log where you stand.
Live payoff calculator from real balance
Most payoff calculators ask you to type in your balance. LazeeFish already has it — accurate to the day, including interest already posted this month.
Plaid keeps it current automatically
Payments import from your checking account and reduce the debt envelope in real time. No logging in to your card issuer’s site to check the balance.
Credit card payoff FAQ.
How does LazeeFish track credit card debt?
Your credit card gets a debt envelope. Every charge creates a paired transaction on the envelope (negative, increasing debt). Every payment creates a positive transaction (reducing debt). Monthly interest posts automatically based on average daily balance and your APR. Your balance is always current — no manual reconciliation needed.
Should I use snowball or avalanche for credit cards?
Mathematically, avalanche wins for credit cards because the APRs are high (20–29%). The interest savings over snowball can be thousands of dollars on a typical $10,000 card balance. LazeeFish shows you the exact difference with your actual numbers — then you decide. Some people choose snowball for the motivational wins on small balances. Either way, you’ll know the real cost of that choice.
Does it sync with my credit card via Plaid?
Yes. Connect your credit card account via Plaid and charges import automatically. Payments from your checking account import too — each payment reduces the outstanding balance on the debt envelope. The connection takes about 2 minutes to set up.
What if I have a balance transfer?
Set up a new debt envelope for the balance transfer card with the promotional APR (often 0%). When the promo period ends, update the APR in the envelope settings. LazeeFish will recompute interest from the new rate going forward. This is especially useful for tracking when the promo ends so you’re not caught off guard by the rate change.
Is this free?
Yes. No subscription, no credit card required to sign up. Credit card debt tracking, avalanche and snowball projections, interest computation, and Plaid sync are all part of the free plan. See pricing.
Your credit card balance deserves
a real tracker — not a spending log.
Connect your card, let LazeeFish track the debt, and see your exact payoff date with one number that actually goes down. Free forever.