Balance Transfer Calculator
Compare balance transfer offers and calculate your savings. Factors in transfer fees and promotional periods.
Compare Balance Transfer
Current Card
$
%
Transfer Card Offer
%
Often 0% for balance transfers
%
Typically 3-5% of transfer amount
months
%
$
How much you plan to pay each month
Enter your card details and click Calculate Savings to see your analysis
How to Use This Calculator
Step 1: Enter Your Current Card Details
Start with your current credit card balance and APR. You can find these on your monthly statement or by logging into your credit card account online.
Step 2: Add the Transfer Card Offer Details
Enter the promotional APR (often 0%), transfer fee (typically 3-5%), promotional period length, and the APR that applies after the promotion ends.
Step 3: Enter Your Monthly Payment
Input how much you plan to pay each month. The calculator will determine if you'll pay off the balance during the promotional period and calculate your total savings.