Balance Transfer Calculator

Balance Transfer Calculator

Current Balance ($)

Please enter a valid balance.

Current APR (%)

Please enter a valid APR.

New Card APR (%)

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Transfer Fee (%)

Please enter a valid fee.

Monthly Payment ($)

Please enter a valid payment.

Intro APR Months (0 if none)

Please enter a valid number of months.

Results

Current Card Total Cost:

New Card Total Cost:

Savings:

Months to Pay Off:

How it works: We calculate the total interest paid on the current card vs. the new card (including transfer fee). The new card's interest is calculated with the intro APR for the intro period, then standard APR after. Assumes fixed monthly payment and no additional charges.