Utility-first finance

Stop guessing. Start calculating.

Three fast tools to quantify interest cost, points value, and balance transfer savings. Built for clarity—no hype.

Core tools

Estimate payoff time, total interest, and total paid based on your balance, APR, and monthly payment.

Convert points to dollars using a cents-per-point estimate and see a realistic value range.

Estimate whether a 0% promo plus a transfer fee is likely to save money—fast and simple.

We focus on measurable outcomes: interest cost, break-even points, and net value after fees. If the math doesn’t work, we say so.

Each calculator will be supported by explainers (“What’s a good payment?”, “When does BT make sense?”) that link back to the tools.