Balance Transfer Calculator

You move existing credit card debt to a new card offering a 0% intro APR period (typically 12-21 months). You pay a transfer fee (usually 3-5%) but save on interest during the intro period.

If your current APR is high (18%+) and you can pay off most of the balance during the intro period, the transfer fee is usually much less than the interest you'd pay. This calculator shows the exact comparison.

Any remaining balance starts accruing interest at the card's regular APR (often 18-26%). The key is to pay off as much as possible during the 0% period to maximize savings.

Using the Balance Transfer Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. Follow the controls on the page. Some functions require sign-in or a paid plan; see Pricing for limits.

The Free plan includes 10 tool uses per day. Some features require an account or a paid plan. Check the controls on the tool page and Pricing for the applicable limits.

The Balance Transfer Calculator returns results based on the inputs and the tool methodology. Check assumptions, units and source dates. Treat projections as estimates. For critical decisions, always consult a qualified professional.

Local calculations run in your browser. AI features, accounts, saved reports and external data requests use server services. Check the tool description and privacy policy for the relevant processing and storage.