Balance Transfer Calculator

Enter the current balance/APR and promotional transfer terms to compare modeled costs; no page fetches live card offers or recommends an issuer.

Balance

Current APR (%)

Monthly payment

Transfer fee (%)

Promo APR (%)

Promo months

APR after promo (%)

—Original-plan interest

—Transfer-plan interest

—Transfer fee

—Transfer payoff months

—Estimated interest + transfer-fee difference

Assumes no new purchases and one fixed payment. Actual offers can have eligibility rules, minimum fees, deferred-interest terms, changing APRs, or different payment allocation.

Connected debt and interest-rate workflow

v10.91 connects debt payoff, credit-card cost, loan comparison, APR/APY, effective-rate, weighted-rate, and hypothetical consolidation calculations while preserving every established historical canonical and calculation engine.

Compare assumptions, not offers

Results are deterministic browser-local math from the values you enter. They are useful for scenario comparison, but they are not a lender quote, approval decision, investment forecast, credit recommendation, or substitute for an account agreement.

How to use this Balance Transfer Calculator

Enter the current balance/APR and promotional transfer terms to compare modeled costs; no page fetches live card offers or recommends an issuer.

Practical tips and limits

Change the assumptions to match the scenario you want to model. Results are browser-local estimates and are not lender, landlord, tax, legal, or investment advice. Real contracts can use different timing, fees, eligibility rules, and rate conventions.