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Prospify Launch: A Free, Unbiased Credit Card Dashboard

Introducing a free credit card rewards dashboard with no affiliate bias. Track spending, optimize rewards, and manage all your cards in one unbiased platform.

TL;DR: Prospify is a free personal finance dashboard for people who carry multiple credit cards. It shows your true spend (after credits and cashback), tracks your card benefits automatically, reconciles shared expenses with Splitwise, and doesn't make money by recommending cards you don't need. It's live today.

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What Prospify Does

1. True Spend Tracking

Your credit card statement says you spent $47,200 last year. But after subtracting credits, cashback, and perks you actually used, the real number is $43,546. That's a $3,654 gap -- and every budgeting app shows you the wrong one.

Prospify shows both numbers side by side. What your bank says. What you actually paid. For every card, every month, in real time.

2. Automatic Benefit Tracking

Premium cards come with monthly credits: $15 Uber on the Amex Platinum, $10 dining on the Amex Gold, $20 entertainment on the Amex Platinum. Miss one month and that money is gone. Across four premium cards, there are 30+ monthly deadlines per year.

Prospify detects which benefits you've used, which you haven't, and which are about to expire. Green, red, yellow -- at a glance.

3. Splitwise Integration

If you split expenses with friends, your credit card statements are inflated by every dollar you fronted for someone else. That $280 dinner shows up as your spend, even though four friends owe you $224.

Prospify syncs with Splitwise and shows your actual share. Your spending totals reflect what you paid, not what you put on the card.

4. Multi-Card Dashboard

Five cards, five issuers, five apps. Prospify puts them all in one place. Spending breakdowns, credit utilization, recent transactions, payment due dates. Dark mode. Clean. No ads.

5. Annual Fee Audit

Each card gets a simple verdict: benefits used + points earned - annual fee = net value. Positive? Keep it. Negative? Consider downgrading. No guesswork. Actual numbers from your actual usage.

Why We Built This

I carry five credit cards. I had a Google Sheet with 14 tabs to track them. Every Sunday, I'd spend 30-45 minutes updating it: logging into each bank app, cross-referencing Splitwise, checking which Amex credits had posted, calculating what I'd actually spent after everything came back to me.

The tools that existed were either full budgeting platforms that happened to show credit cards (Monarch, YNAB -- both $14.99/month, neither showing true spend) or rewards lookup tools with no connection to my actual spending (CardPointers, MaxRewards).

Nothing solved the core problem: what do my credit cards actually cost me?

So I built the thing I needed. It started as a side project, grew into a real product, and today it's ready for everyone.

How It's Different

No affiliate commissions. This is the big one. Every major credit card recommendation site -- NerdWallet, The Points Guy, Credit Karma -- makes money when you apply for a card through their link. Commissions run $50-200 per application. Their "best card" rankings reflect who pays them the most, not what's best for you.

Prospify doesn't recommend cards based on who pays us. We show you data about the cards you already have. You decide what's working and what isn't.

Free. Not freemium-with-all-the-good-stuff-locked. Free. True spend, benefit tracking, Splitwise integration, multi-card dashboard -- all included. We'll add premium features eventually (advanced analytics, tax exports, family accounts), but the core product is free and will stay free.

Bank-grade security. Connections go through Plaid -- the same infrastructure used by Venmo, Robinhood, and Coinbase. Your bank credentials never touch our servers. Row-level security isolates every user's data at the database level. Built on Next.js and Supabase, fully TypeScript.

No tracking, no selling data. We don't sell your transaction data. We don't serve ads. We don't build profiles for targeting. Your financial data is yours.

Who It's For

Prospify is built for a specific person:

  • You carry 3+ credit cards with annual fees
  • You split expenses with friends (probably through Splitwise)
  • You care about whether your cards earn back their annual fees
  • You're tired of checking five different bank apps
  • You want financial tools that don't have a hidden agenda

If you're a first-gen Indian-American in tech who's in a WhatsApp group chat with a matching Splitwise group -- you're the person I designed every pixel for. But anyone who juggles multiple credit cards and wants honest numbers will find value here.

Get Started

Three steps:

  1. Go to prospify.app
  2. Connect your cards through Plaid (takes 2 minutes)
  3. See your true spend, your benefit usage, and your annual fee math -- instantly

No credit card required to sign up. Yes, the irony is intentional.

Launch on Product Hunt | Try Prospify free

Built by Ashay Changwani. Questions, feedback, feature requests -- I'm reading everything today. Find me on Twitter/X or email ashay@prospify.app.