This little toy is far too much fun to be legal! I've been plugging numbers in and changing them around for, well, I'm embarrassed to admit how long I've spent playing with this!The only thing that would make it even more perfect is a box similar to the "monthly payment" box that allows you to calculate the effect of throwing an occasional bonus payment to the highest rate card.The only thing that makes this difficult to interpret for me is that assuming I'll be paying the higher rates when they go up is not likely correct. So far, I've had no trouble finding a balance transfer offer each time a rate goes post-teaser. After experimenting a little, I decided to set the "post-teaser rates" for my cards that have teaser rates at 6%, since that is the average balance transfer rate I am usually able to get. As transfers happen, I'll go back into the sheet to change the set up.Thank you thank you thank you! I've been liberated from the annoying crash-prone web calculator!Wishing I could set up a spreadsheet like this,Tanaquil
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