Financial Tools
Balance Transfer Calculator
Estimate whether moving a balance to a 0% intro card pays off after the transfer fee, and what happens if the balance outlives the intro period.
Current Card
Balance to Transfer
Current APR
Monthly Payment You Will Make
Transfer Offer
Transfer Fee (% of the balance, 3% to 5% is typical)
Intro APR (%)
Intro Period
APR After the Intro Period (%)
Values shown are examples. Enter the terms of the offer you actually have.
Transfer vs Stay
| Transferring | n/a |
| Payment Needed to Clear It in the Intro Period | n/a |
| With the Transfer: Time to Pay Off | n/a |
| Transfer Fee | $0 |
| Interest After the Intro Period | $0 |
| Total Cost (fee + interest) | $0 |
| Staying Put: Time to Pay Off | n/a |
| Interest Paid | $0 |
For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.
The intro period decides whether this works.
Compare balance transfer cards on intro length, transfer fee and the rate after.
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