Does the transfer fee cancel the savings?

Usually no — a 3% fee on $5,000 is $150, often less than one month of regular APR interest. The calculator shows the breakeven so you can see for sure.

Is this calculator free to use?

Yes. Every tool on AnyCreditWelcome.com is 100% free, runs in your browser, and never sells your data.

Are my numbers saved or sent anywhere?

Your inputs are stored locally in your own browser so you can come back to them. We don't transmit them to a server.

Can I share my exact scenario with someone else?

Yes. Click 'Copy share link' in the export bar — it creates a URL that loads the same inputs and results when opened.

Can I download my results?

Yes. Every calculator offers a one-click PDF and CSV export with your inputs, results, and a printable summary.

Balance Transfer Calculator

Will moving your balance to a 0% APR card actually save money? See the exact monthly payment you need, what you'll still owe if you don't finish in time, and a Yes/Borderline/No verdict that accounts for the transfer fee and post-promo APR.

Quick start

Your numbers

Current balance

Current APR

Monthly payment you can afford

Balance transfer offer

Transfer fee

Intro APR

Usually 0%

Intro length (months)

APR after promo ends

New card annual fee (optional)

Verdict

Borderline — savings exist but the margin is thin.

Pay this much per month

$343/mo

to finish $5,150 before the 15-month promo ends.

If you keep paying $200/mo

You'll still owe $2,150 when the promo ends.

That remainder starts accruing interest at 22% APR on day 1 of month 16.

Why this verdict?

Transfer fee: 3% = $150 added to your balance.
Required payment to finish in time: $343/mo.
Remaining at promo end if you keep paying current amount: $2,150.
Net vs staying put (if you finish on time): save $1,650.

This transfer only works if you can raise your payment from $200 to $343 per month and stay consistent for all 15 months.

If you do not finish by month 15, the remaining $2,150 begins accruing interest at 22% APR — the same kind of debt you started with.

The fee of $150 eats most of the upside. This only pays off if you can pay $343/mo and finish on time. If you're not certain you'll keep up, staying put is the safer call.

Free to use — enter your email once to unlock downloads across every tool.

Stay-put vs. transfer over time

Stay on current card at 22%

Balance over time

Cumulative interest paid

Interest paid

After transfer (post-promo 22% applied to remainder)

Balance over time

Cumulative interest paid

Interest paid

Important disclaimer

The projections, estimates, and recommendations shown by these tools are for informational and educational purposes only. They do not constitute financial, legal, tax, or investment advice.

Calculations are based on the information you provide and make simplified assumptions (for example, fixed APRs, no additional fees, and no new charges). Your actual payoff dates, interest costs, and terms may differ based on your lender's specific policies, variable rates, fees, and how you use your accounts.

Before acting on any payoff plan, balance transfer, or credit strategy, please consult a qualified financial professional or credit counselor. AnyCreditWelcome.com is not a lender, creditor, bank, or licensed financial advisor.