CalCost
Virtual credit cards with spending limits you actually control. Set budgets per category, generate virtual cards, and stop overspending — without changing banks.
Credit cards give you a single limit and hope you figure out the rest. CalCost changes that. Connect your existing credit cards, set spending limits per category — food, gas, subscriptions, entertainment, whatever — and CalCost generates virtual cards locked to those budgets. Hit your food limit? That virtual card declines. Your other categories stay untouched. No new credit lines, no bank switching, no complicated budgeting apps that require manual tracking. CalCost enforces your budget at the transaction level. Spend intentionally, not reactively.
Per-Category Limits
Set spending caps for food, gas, subscriptions, entertainment — any category you want. Your budget, your rules.
Virtual Card Generation
Generate virtual cards linked to your real credit cards. Each virtual card is locked to a specific category and limit.
Real-Time Tracking
See exactly how much you've spent per category in real time. No end-of-month surprises.
Works With Your Cards
No new credit lines or bank accounts. CalCost works as a control layer on top of your existing cards.
- Beta launch with Visa and Mastercard support
- Shared family spending controls
- Merchant-level blocking and alerts
CalCost is in development. Want to know when it launches?
Get Early Access →