Balance transfer calculator

Same monthly payment, two paths: stay at your APR, or pay a fee and ride a promo. Related: when a 0% transfer saves money · payoff calculator · avalanche vs snowball. Optional: tip / support.

Current balance ($) Current APR % Monthly payment ($) Transfer fee % Promo months at 0% Go-to APR after promo %

Interest is the monthly rate (APR ÷ 12) on the unpaid balance. The transfer fee is added to the balance up front. Promo months are 0%, then the go-to APR you type. Issuers can void 0% after a late payment. Educational only.

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This balance transfer calculator is free. A voluntary tip supports this classroom — not a paywall, not tax software, not ads.

WhatIfInLearing

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$4.99 USD

Processed by PayPal as a WhatIfInLearing tip. Optional — never required to use the calculator. More free tip tools: tip index.