Balance Transfer Calculator
Compare keeping a card balance with moving it to a 0% promotional card, fee and post-promo rate included.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Price the transfer
Your projection
Saves $2,604
Cost if you stay
$2,975
Cost with the transfer
$371
Includes a $240 fee.
Payment to clear it in the promo
$457.78
The promo ends on a date, not when you feel ready. New purchases on the card may not get the 0% rate, and a late payment can end the promo early. Read the offer's terms before moving the balance.
About this tool
Method, assumptions, practical next steps, and limits.
A transfer is a deadline
A 0% transfer can save hundreds of dollars, but only if the balance is gone, or close to it, when the promotional rate ends.
How the calculation works
The transferred balance is balance × (1 + fee). It accrues nothing during the promo, then the post-promo APR applies to whatever remains. To clear it in time, pay transferred balance ÷ promo months.
Moving $8,000 with a 3% fee creates a $8,240 balance. To clear it in an 18-month promo takes $457.78 a month. At $350 a month, about $1,940 is left when the promo ends and starts accruing 22.99% interest.
Read the terms
New purchases on the transfer card may not get 0%, and payments above the minimum go to the highest-rate balance first under the CARD Act. A late payment can end the promotional rate early. Approval, the fee and the credit limit are all set by the issuer.
