Found a great link! Unlike most other calculators, this one takes into consideration the duration of special promo rates: http://university.smartmoney.com/Departments/DebtManagement/CreditCards/
Rina - THANK YOU! Great site! I've been trying to figure out how to handle my Discover BT's and in the event I don't pay it off in the 6 months, how the bottom line will be if I'm unable to transfer the balance again. I was unsure about transferring my balance from a 9.9% card becuase if I didn't pay it off the go-to on that card is 12.99. But according to this caculator, I'd still be better off over the course of a year if I can't BT again at the end of the promo. Thanks so much - I was in a serious tizzy over this - math was never my strength. Ozzy.
