Hi, I'm Dean. I build and run Runtab myself, through my company, Enterprise Web Service LLC.

I built it because I knew roughly what I was spending but only found out the exact number when the statement arrived.

What it does

• iPhone: Lock Screen widgets (inline, circular, rectangular) and Home Screen widgets (small, medium). "All cards" puts each card on its own line; "One card" shows the card you pick.

• Mac: each card's balance in the menu bar. Click it for available credit, utilization and recent charges, or press ⇧⌘R for a ledger window with each card's charges and the running balance.

• One account on both, with Sign in with Apple (Hide My Email works) or email.

How the numbers work

• Each card shows owed now = posted + pending. Cards are never added together.

• Banks send new numbers 1 to 4 times a day, some only once. Every card says how old its data is, and Runtab tells you when a bank needs you to sign in again or isn't answering.

• "Refresh from bank now" asks for fresh numbers right away, 10 times a month on the trial and the $5 plan. Some banks, Capital One among them, don't allow that through Plaid; Runtab says so and doesn't count it.

Privacy

• Cards link through Plaid, read-only. Runtab gets balances, transactions and the last four digits of each card: no card numbers, no bank password, no way to move money.

• No ads, no data sharing, no analytics SDKs. You can delete your account from the app at any time.

Price

• Free for 14 days with one card, then $5 a month through your Apple account, with every card you carry. Runtab Plus ($15) and Pro ($30) check your cards 3 or 6 more times a day.

• US banks only for now. iOS 17 or later, macOS 14 or later. No Android yet.

I'd like to hear what it would need before you'd keep it on your Lock Screen, and which bank or card shows a wrong number.