Balance Transfer Calculator
Compare keeping a balance on your current card against moving it to a 0% or low-APR balance transfer, including the transfer fee.
Calculations run on your device — your card balance never leaves the pageTry: Current balance=5000, Current APR=22, New APR (promo)=0, Transfer fee=3, Months=18 → $150.00, $1,073.22, $0.00, $5,150.00, $923.22
How to use
Enter your balance, the current APR, the new card APR (often 0% for the promo), the transfer fee, and how many months the promo lasts. The calculator adds the one-time fee to the new plan and shows your net savings. Watch the fee — a 3% charge on $5,000 is $150 before any interest.
FAQ
Is a balance transfer always cheaper?
Usually, if you pay it off within the promo window. After the promo ends the rate often jumps, so run the numbers first.
What does the transfer fee do?
It is a one-time percentage of the moved balance, charged up front. A 3% fee on $5,000 is $150 added to your cost.