Balance Transfer Calculator
Make 0% prove itself. Find out if the offer is a real win or just shiny packaging.
A 0% balance transfer can be a cheat code for killing high-interest debt — or an expensive trap. The transfer fee (usually 3–5%) and the post-promo APR decide which. This calculator makes the offer prove itself with your real numbers.
Enter your current balance, APR, and payment, then the offer’s promo length, fee, post-promo APR, and what you plan to pay monthly. You get a side-by-side: total interest, months to payoff, and the net savings verdict.
Watch the promo-end warning: any balance left when 0% expires starts growing at the revert APR — often 24% or more. The breakeven promo length tells you the shortest offer worth taking.
Home · Balance Transfer
Balance transfer
Make 0% prove itself. Find out if the offer is a real win or just shiny packaging.
Current card
Then enter the offer you are considering.
Stay on current card
Take the transfer
Quick answers
How does the transfer fee work?
The new card typically adds 3–5% of the transferred balance to what you owe. A $10,000 transfer at 3% starts you at $10,300 — the calculator includes this automatically.
What happens when the promo ends?
Any remaining balance starts accruing interest at the card’s regular APR. Pay it off before then, or the savings evaporate — the calculator warns you exactly what would remain.
Will it hurt my credit score?
Opening a new card causes a small temporary dip, but paying debt down usually lowers your utilization, which helps your score more over time.
Can I transfer between cards from the same bank?
Usually no — most issuers will not let you transfer a balance between their own cards. The offer has to come from a different bank.
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