Calculator

Balance Transfer Calculator

A transfer fee and an unrealistic payoff plan are the two ways this backfires. See both paths side by side before you apply.

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Heads up:
Path A: Stay on your current card
Payoff time at your payment amount—
Total interest paid$0
Path B: Transfer to the 0% offer
Transfer fee (added to balance)$0
Balance remaining when promo ends$0
Interest paid after promo (at post-promo APR)$0
Total cost (fee + post-promo interest)$0
Which path wins

How does the 0% offer actually work? Read the full guide to using a balance transfer correctly.
Read the article →

This models a fixed-rate balance being paid down at your entered payment amount and does not account for new charges or variable promotional terms. This calculator is for educational purposes only and does not constitute financial, investment, or tax advice. Consult a licensed financial advisor or CPA about your specific situation.