If you’re doing any type of home remodeling, you’ve probably had to pull out the credit card at one time or another. And the credit card companies are incredibly sneaky about your total payments, APR and monthly minimums.

This tool, from Maeda Studios, is the best online calculator I’ve found to help sort it all out:

http://www.maedastudio.com/2006/credit/index.php

Have fun calculating just how long it’ll take to pay off that new tile floor……