Tools
Credit card calculators, checklist and choosing guides
Everything here works on the page with no sign-up. The calculators use only numbers you type, because rates, fees and limits are different for every card and change over time. The tools are general information, not financial advice.
Calculators
Balance Transfer Cost Calculator: Transfer vs Staying PutType your balance, APRs, fee, promo length and payment to compare total interest plus fee for a balance transfer against leaving the debt where it is.
Credit Utilization Calculator: Balance and Limit to PercentageType card balances and limits to see credit utilization per card and overall, plus the pay-down to reach commonly cited levels. Nothing is saved.
Printable checklist
Choosing guides
Choosing a credit card type: cash back, travel, transfer, businessMatch a card type to how you spend and repay: flat cash back, category rewards, travel points, balance transfer, credit-building and business cards.
Balance transfer offer guide: fees, promo periods and payoffHow to judge a balance transfer offer by type: the fee, promo length, rate afterward and what ends a promo, plus the habits that decide if a transfer helps.