✦ Android · Free to Download

Spend smart.
Earn while
you float.

FloatCard tells you exactly which credit card to use each day — so your money stays in a money market fund for as long as possible, earning interest before your payment is due.

↓ Download on Android Free. Pro available.
FloatCard Dashboard
FloatCard Earnings
30+
Days of float per month
4
Languages supported
100%
Local — no cloud
10
Beautiful themes
How It Works
Three steps to earning more.
1
Use the right card at the right time
Right after a card's statement date, FloatCard tells you to use it. This gives you the longest possible time before payment is due.
2
Keep your money in a money market fund
From your income date to the due date, your money earns daily interest in a PPF/money market fund instead of sitting idle.
3
Pay the full statement on the due date
Pay the complete balance on the last day. FloatCard calculates your net interest earnings after tax — showing you exactly how much you made.
Features
Everything you need to float.
💳
Daily Card Guidance
See exactly which card to use today, with a live countdown to your next card switch.
📊
Earnings Tracker
Monthly breakdown of gross and net earnings per card, with full tax calculation.
📱
Home Screen Widget PRO
See today's card and days remaining without opening the app.
🔔
Smart Notifications PRO
Get reminded on card switch days and payment due dates — with weekend-aware timing.
🎨
10 Themes PRO
Customize FloatCard with 10 beautiful themes including Forest, Midnight, Glacier, and more.
🔒
100% Private
All data stays on your device. No accounts, no sync, no servers. Works fully offline.
Screenshots
See it in action
Dashboard
Dashboard
Earnings
Earnings
Statement
Statement
Archive
Archive
Pricing
Start free. Upgrade when you're ready.
Free
Always free · No credit card
  • ✓ Daily card guidance
  • ✓ Current month earnings
  • ✓ Current month archive
  • ✓ Statement entry (current month)
  • ✓ 3 free themes
  • ✓ 4 language support
  • ✓ Widget (first 30 days)
  • ✓ No ads. Ever.
Pro
Yearly & Lifetime options available
  • ✓ Everything in Free
  • ✓ Home screen widget
  • ✓ Smart notifications
  • ✓ Unlimited earnings history
  • ✓ Past & future month entry
  • ✓ Year navigation
  • ✓ Data backup & restore
  • ✓ 10 premium themes

The app that pays for itself in the first month.

Free download. No account required. Works offline.

⬇ Download on Google Play