Credit Card Balance Transfer Calculator

Compare a balance transfer offer with keeping your current credit card balance, using a fixed monthly payment.

Balance Transfer Offer

Current Balance ($)Current Card APR (%)Balance Transfer Fee (%)Promotional APR (%)Promotional Period (Months)Monthly Payment ($)APR After Promotion (%)

Promotional-Period Comparison

Transfer Fee Added to Balance: $180.00

Balance Remaining on Current Card: $4.55

Balance Remaining After Transfer Promotion: $0.00

Interest on Current Card During Promotion: $1,204.55

Promotional Interest Plus Transfer Fee: $180.00

Estimated Interest and Fee Savings During Promotion: $1,024.55

Additional Months to Pay Off Transfer After Promotion: 0

Assumes the transfer fee is added to the balance, no new charges, interest compounded monthly, and payments at month end. Promotional APR applies only for the stated period; the after-promotion APR is used for the remaining-balance payoff estimate. Savings compare interest and fees during the promotion only.