The Modern Churning Tracker
The Best Churning Spreadsheet
Replacement
Stop managing spreadsheets. Track your entire credit card portfolio—5/24, MSR, velocity rules, point balances, and more—all in one beautiful dashboard.
Why Replace Your Spreadsheet?
Spreadsheets are great for getting started, but they become a nightmare as your portfolio grows. Manual formulas break, dates get miscalculated, and you spend more time maintaining the spreadsheet than actually churning.
IronChurn replaces your entire churning spreadsheet with an intelligent dashboard that automatically calculates everything: your 5/24 status, MSR deadlines, velocity rules, point valuations, and more. No formulas. No errors. Just accurate tracking.
Everything Your Spreadsheet Does, Better
Velocity Tracking
Spreadsheet: Manual counting, error-prone formulas, easy to break
IronChurn: Automatic calculation of 5/24, 2/90, 2/30, and all velocity rules. See eligibility dates instantly.
MSR Tracking
Spreadsheet: Manual date calculations, easy to miss deadlines
IronChurn: Automatic deadline tracking, progress bars, total remaining MSR across all cards.
Point Balances
Spreadsheet: Manual entry, no valuation calculations
IronChurn: Track balances by program, automatic valuation based on your redemption preferences.
Annual Fees
Spreadsheet: Manual calculations, hard to track waived fees
IronChurn: Automatic annual fee tracking, accounts for waived first-year fees, total cost visibility.
Card History
Spreadsheet: Multiple sheets, hard to search and filter
IronChurn: Search, filter by bank/type, sort by date. All your cards in one clean interface.
Mobile Access
Spreadsheet: Clunky on mobile, hard to update on the go
IronChurn: Beautiful mobile interface. Update your portfolio from anywhere, anytime.
Everything You Need to Track
Tracking
Card Portfolio
Active cards, credit limits, MSR deadlines, and annual fee schedules in one view.
Compliance
Velocity Rules
Chase 5/24, Amex 2/90, Citi rules, and issuer-specific limits tracked automatically.
Valuation
Point Analysis
Calculate redemption values, compare transfer partners, optimize your points.
Make the Switch in Minutes
Sign Up Free
Create your account in seconds. No credit card required. Free forever.
Import Your Cards
Add your cards with approval dates, MSR amounts, and deadlines. Takes just a few minutes.
Delete Your Spreadsheet
Everything is calculated automatically. No more formulas, no more errors, no more maintenance.
Ready to Replace Your Spreadsheet?
Join thousands of churners who've made the switch. Free forever. No credit card required.