Balance Transfer Calculator
Our balance transfer calculator shows your interest saving from moving debt to a 0% card, minus the transfer fee (typically 2-4%). It calculates the minimum monthly payment to clear the balance before the 0% period ends.
Balance Transfer Savings Calculator
Compare staying on your current card vs doing a balance transfer — see exactly how much you could save.
Enter your credit card balance and current APR, then the 0% balance transfer offer details: the interest-free period in months, the transfer fee percentage, and the APR that applies once the 0% period ends. The calculator shows total cost under both scenarios: staying on the existing card versus transferring. Divide the transferred balance (plus fee) by the 0% period to find the monthly payment needed to clear the balance before the standard rate kicks in — the calculator highlights whether your intended payment achieves this. Only apply for a balance transfer after a soft eligibility check — multiple hard searches in a short period can reduce your credit score and make future applications harder.