Credit Card Tracker for Google Sheets & Excel
Track credit card balances, payments, and utilization across all your cards. Stay on top of due dates and keep your credit utilization in check.
Get this template on EtsyWhat's included
- Track multiple credit cards in one view
- Balance and credit limit tracking
- Utilization percentage for each card
- Payment due date reminders
- Monthly payment logging
- Works with Google Sheets and Microsoft Excel
How it works
The spreadsheet has three tabs: Dashboard, Payment Log, and a hidden Data tab for color settings. On the Dashboard, each row represents one credit card. Enter the card name, credit limit, current balance, APR, minimum payment, due date (as MM/DD), and pick a color.
Utilization tracking
A utilization threshold dropdown at the top sets when a card gets flagged. The default is 30% — the standard benchmark for maintaining a healthy credit score. Each card shows its individual utilization percentage, and the Dashboard shows your overall utilization across all cards.
Tracking payments
Every payment goes in the Payment Log tab: date, which card, amount, and an optional note. The Dashboard updates automatically — available credit, utilization percentage, and status all recalculate.
What the Dashboard shows
Each card gets its own utilization bar, available credit amount, days until due date, and a status indicator (healthy, warning, or high based on your threshold). Summary cards at the top show total credit limit, total balance, and overall utilization at a glance.
Available in dark and light themes
Both themes are functionally identical. Use the toggle above to switch between them.
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Frequently asked questions
How many cards can I track?
As many as you have. The tracker is designed to handle multiple cards with individual balances, limits, and due dates.
Does it calculate credit utilization?
Yes. It shows utilization per card and your overall utilization across all cards, which is one of the biggest factors in your credit score.
Can I use this alongside the Debt Payoff Tracker?
Absolutely. The Credit Card Tracker focuses on utilization and due dates, while the Debt Payoff Tracker focuses on paying down balances over time. They complement each other.
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