Perks Ledger
Every credit, perk and discount, tracked in one place.
A single-file, zero-dependency PWA that tracks card and membership benefits, resets them on schedule, and maps the hidden chains between them with the Perk Graph.
What we delivered: Product, design, engineering
What you pay for
Perk Graph
- Streaming service is already covered: Membership you get through your card.
- Grocery delivery membership is already covered: Premium card credit.
$194 /yr sitting in overlaps (example)
Interactive preview rebuilt from the real Perks Ledger screen, with sample data. Not connected to production.
- credit cards in the database
- 41
- credit cards in the database
- HTML file, the whole app
- 1
- HTML file, the whole app
- runtime dependencies
- 0
- runtime dependencies
- installable PWA
- Offline
- installable PWA
Figures from the perksledger README.
The problem
People pay $700+ in annual card fees and redeem barely half of what the cards promise. Credits reset monthly, quarterly and semiannually, quietly, and memberships bundle perks nobody remembers.
What we built
A built-in benefits database
41 popular U.S. credit cards plus major memberships, with values verified in July 2026.
Tracking that resets itself
Period-keyed storage means monthly, quarterly, half-year and annual credits reset on schedule, and unused credits surface before they expire.
The Perk Graph
Tell it what you pay for and it flags subscriptions your cards already cover and card → membership → subscription chains.
Private by design
No accounts, no servers, no tracking. Data stays in the browser, with export, import and calendar reminders.
Architecture
How it fits together
App
- Single HTML file
- Vanilla JS
Data
- Built-in card database
- Local-only storage
Platform
- Service worker
- Installable PWA
- .ics export
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