Annual Fee Calendar
Lay out the next 12 months of credit-card annual fees in one view. Per card: how much you've captured this anniversary year, projected net vs the fee, and a Keep / Downgrade / Cancel hint.
Your cards
Add cards one at a time. Pick a preset to seed an annual fee instantly, or fill in the custom form below.
Add a card to start your calendar. Try a preset or fill in the custom form above.
FAQ
What does this calculator do?
It lays out every upcoming credit card annual fee in your wallet on a 12-month forward calendar, computes captured-vs-fee per card, and gives a quick Keep / Downgrade / Cancel / Watch hint based on how much value you've captured this anniversary year.
How is the verdict computed?
If captured ≥ AF → Keep. If captured < 50% of the AF with 6+ months remaining → Watch (there's still time to swing it). If captured < 50% and the renewal is within 6 months → Cancel. Otherwise → Downgrade. The hint is a heuristic, not financial advice.
Are you saving my cards?
No. This page is browser-only. Refresh the tab and your input is gone. If you want a persistent calendar that updates as you mark benefits used throughout the year, that's what the iOS app does.
Why doesn't this read from my actual cards automatically?
The web version is anonymous on purpose — no login, no account, no data shared with us. If you want automated tracking from your card list, install the iOS app: it knows your anniversary dates and captures usage as you mark benefits, so the calendar updates in real time without you re-entering anything.