See if a balance transfer would actually save you money.
Compare your current card with a balance transfer offer — including the fee, promo period, likely transfer limit, and regular APR after the intro ends. Then see whether the move saves money or only looks good at first.
What are you trying to figure out?
Current debt
Enter a balance greater than 0
Enter a monthly payment greater than 0
Balance transfer offer
Usually 0%
Common: 12, 15, 18, 21
Add the regular APR after the intro period
Usually 3–5%
Often $5 or $10
Most BT cards have none
Optional. Often 60 days from opening.
Transfer capacity reality check (optional)
How this calculator works
Standard monthly amortization at your APR with your chosen monthly payment.
The fee is added to the transferred balance by default. Toggle it off if you'll pay the fee separately.
Interest uses the intro APR during the promo. Anything left after the promo ends accrues at the regular APR.
The amount that fully clears the transferred balance before the intro period ends.
If a cap is set, we move what fits and model the rest as a partial transfer staying on the old card.
A transfer pays off most when you clear the full balance before the offer expires.
FAQ
This is an estimate for education only — not financial, legal, or tax advice. Your actual payments, interest, fees, and payoff dates depend on your issuer's terms, new charges, and any late or returned payments.
Calculations use simplified assumptions (for example, fixed APRs and no new spending). Real-world results may differ.
Use these numbers as guidance — not as a promise of approval, a specific score change, or a guaranteed payoff date. Always confirm the details with your card agreement or a qualified professional before acting.
This is an estimate, not an approval result. Transfer approval, credit line, and the amount you can actually move depend on the issuer and your credit profile.
If a balance remains after the promo period, regular APR charges may reduce the benefit. Savings depend on the payment plan you actually follow.