Balance Transfer Calculator

Compare keeping your balance on the current card vs moving it to a balance-transfer offer. Enter amounts, APRs, fees and monthly payments. Results are simulated month-by-month (accurate for typical credit-card amortization).

Current Card

Current balance

Current APR (annual %)

Monthly payment

Balance Transfer Offer

Intro APR (annual %)

Intro months

Post-intro APR (annual %)

Transfer fee (%)

Monthly payment on transferred balance If left blank we use the same monthly payment as the Current Card field.

Simulates month-by-month (no extra charges included)