Calculate optimal credit limit targets while managing installment purchases. Track payment schedules and visualize statement cycles with our smart credit card optimization tool.
- 📊 Smart Target Calculation - Calculate the optimal credit limit based on your spending patterns and installment plans
- 🛡️ Monthly Safety Indicator - Know instantly if you're safe for the current month without any payments
- 💳 Dual Payment System - Distinguishes between required safety payments vs optional optimization payments
- 🛡️ Anti-Misleading UX - Fixed feedback loop where paying money increased your target limit
⚠️ Predictive Warnings - See how balance updates will affect your target before making changes- 💰 Installment Management - Track multiple installment purchases and their impact on your available credit
- 📅 Statement Cycle Visualization - Understand your billing cycles with intuitive timeline views
- 🎯 Payment Scheduling - Never miss a payment with clear schedule breakdowns
- 🔍 Calculation Transparency - Clear breakdown of how your target is calculated with improved explanations
- 🌓 Dark/Light Mode - Easy on the eyes, day or night
- 💾 Local Storage - All data stays private in your browser (no servers, no tracking)
- 📱 Responsive Design - Works seamlessly on desktop, tablet, and mobile
- Framework: React 19 + TypeScript
- Build Tool: Vite with SWC
- Styling: Tailwind CSS v4 + shadcn/ui components
- State Management: React Hooks + Context
- Database: Dexie (IndexedDB wrapper)
- Charts: Recharts
- Date Handling: date-fns
- UI Components: Radix UI primitives
- Bun (recommended) or Node.js 18+
# Clone the repository
git clone https://github.com/yourusername/cc-optimizer.git
cd cc-optimizer
# Install dependencies
bun install
# Start development server
bun devThe app will be available at http://localhost:5173
# Build the app
bun build
# Preview production build
bun preview- Configure Your Card: Enter your credit limit, current balance, and statement cycle dates
- Add Installments: Track your installment purchases with monthly payment amounts and terms
- Check Monthly Safety: Instantly see if you're safe for the current month or need to make a safety payment
- View Recommendations: See your optimal credit limit target based on buffer preferences (calculated intelligently to prevent misleading increases)
- Choose Your Payment: Decide between required safety payments or optional optimization payments
- Get Predictive Warnings: See how balance changes will affect your target before updating
- Monitor Timeline: Visualize when payments are due and how they affect your available credit
CC Optimizer uses a smart algorithm that:
- Monthly Safety Check: Uses 90% credit limit threshold to determine if current balance + monthly expenses is safe
- Calculates total monthly installment obligations
- Smart Buffer Logic: Applies buffer percentage to installments (not balance) to prevent misleading target increases
- Dual Payment Logic: Separates safety payments (required) from optimization payments (optional)
- Considers statement and due dates for accurate payment scheduling
- Suggests incremental limit increases based on your preferences
- Shows simple payment calculation: Target - Current Balance = Payment Needed
- UX Protection: Prevents feedback loop where paying down balance increases your target limit
The app uses CSS variables for theming. You can customize colors by modifying the variables in src/index.css:
:root {
--primary: oklch(0.5854 0.2041 277.1173);
--background: oklch(0.9842 0.0034 247.8575);
/* ... more variables */
}Contributions are welcome! Feel free to:
- Fork the project
- Create your feature branch (
git checkout -b feature/AmazingFeature) - Commit your changes (
git commit -m 'Add some AmazingFeature') - Push to the branch (
git push origin feature/AmazingFeature) - Open a Pull Request
- Use
bunfor package management - Follow existing code style and patterns
- Components should follow the shadcn/ui pattern
- Keep data local - no external API calls
This project is open source and available under the MIT License.
- shadcn/ui for the beautiful component library
- Radix UI for accessible component primitives
- Tailwind CSS for utility-first styling
- Vite for lightning-fast builds
- Export/import data backup
- Multiple card support
- Budget tracking integration
- Spending analytics
- Mobile app version
Built with ❤️ for better credit management
Note: This tool is for educational and planning purposes. Always consult with financial advisors for important financial decisions.