Credit Card Optimizer Calculator
Find the balance transfers that produce the greatest savings.
What This Number Means
This optimized plan is only one part of the decision. Before you transfer a balance, consider:
Which balance transfers produce the greatest savings
How transfer fees factor into the true benefit
Whether moving balances to a lower rate is worth the cost
How the optimized plan compares to leaving balances as is
Whether promotional rate periods change the best strategy
How to Use This Calculator
1
Enter your current card balances: Input the balance and rate on each of your current cards.
2
Add transfer offer details: Enter the rate, fee, and promotional period for balance transfer offers.
3
Confirm your payment capacity: Enter how much you can pay each month toward the balances.
4
Review the optimized plan: See the balance transfers that produce the greatest savings.
DISTINCT TAX
CONSULTING GROUP
Strategic tax solutions that protect wealth, maximize opportunities, and create lasting impact.
Hours of Operation
During Tax Season (January 1 - April 15)
Monday - Friday 9:00 AM - 5:00 PM
Saturday and Sunday - Closed
Post-Tax Season (April 16 - November 30)
Tuesday - Thursday 9:00 AM - 5:00 PM
Monday and Friday - Closed
Saturday and Sunday - Closed
Pre-Tax Season (December)
Appointment Only
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