Balance Transfer Calculator
See whether moving your balance to a 0% offer actually saves money — and what you'd need to pay to beat the deadline.
A balance transfer saves you
$1,276
over paying your current card off as-is.
Keep your card
$6,449
26 mo · $1,449 interest
Transfer to 0%
$5,174
$150 fee · $0 interest
Pay $286/mo to clear it inside the 0% window.
How to read it: a transfer wins when the interest you'd dodge is bigger than the transfer fee, and you can clear the balance before the 0% period ends. If your payment isn't enough to finish in time, whatever's left starts collecting interest at the post-intro APR — the calculator flags that and shows the payment that beats the clock. Best for a chunk of high-APR debt you can knock out in a year or two; not worth it for a small balance you'd clear in a few months anyway.