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Credit card repayment calculator

Hi fellow Moneysavers,

Can anybody here point me towards a really good credit repayment calculator please?

For the last few years, I've been chopping & changing 0% credit cards every 9/12 months, but obviously being hit with a balance transfer-fee each time.

I've figured (I think!) that it may actually be more beneficial for me to get a card that's either at a low % for say, 2/3 years, or one that's at a slightly higher %, but for the lifetime of the balance.

Therefore, I want to be able to compare what I would be paying in total, if I continued to chop/change every 9/12 months, or if I stuck to one card at a low-rate.

As far as I can see, the repayment calculator on this site isn't able to go to this sort of detail.

Cheers...

Comments

  • GeorgeUK
    GeorgeUK Posts: 7,737 Forumite
    This site has quite a few various calculators.

    Not sure which one will be best for you, but here's the stoozing calculator
    http://www.whatsthecost.com/stoozing.aspx
    After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91

    Dad Gift 6k ¦ Savings & Inv Tst: £2,500
    Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0

    Total Owed: £2,270 (+6k) 11/08/2011
  • Clariman
    Clariman Posts: 1,484 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I wrote this Balance Transfer calculator specifically for people who are looking to move their money from one card to another and takes into account the user's tax status and how much they can pay per month towards their debts.
    Author of the first Stoozing FAQ on the Internet and Creator of the SOA & Snowball calculators at Lemonfool.co.uk
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