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Your payments clear. Boarding now.

Tell BoardingNow your income and pay schedule — it plans every card payment down to the dollar, and shows what the points you already earn will buy: award seats, transfer bonuses, and the lounges you can walk into. Sign in with a passkey to get started, or explore the free tools below without an account.

From paycheck to boarding pass

Pay it all on time

Tell BoardingNow your income and pay schedule and it plans every card payment down to the dollar. Balances and amounts due stay up to date, so every due date clears and the points keep flowing.

Keep earning on every card

See the credits and perks each card grants before they expire, simulate your monthly spending across cards, and check whether every annual fee pays for itself — with elevated signup and transfer bonuses curated as they go live.

Fly on the points

Save the trips you want to fly and BoardingNow finds the award seats, compares the points cost to the cash fare, and shows the transfer partners that get you there for less — plus which lounges you can walk into before boarding.

How it works

  1. Connect your money — sign in with a passkey, then add your income, accounts, and cards.
  2. Every payment, planned. BoardingNow splits each paycheck across your cards down to the dollar, so every due date clears and no interest is ever due.
  3. Cash the points in. Save a trip and we find the award seats, compare them to the cash fare, and show which lounges you can use before you fly.

Free guides & tools