Balance Transfer Calculator
Compare paying a balance at its current APR with a promotional balance transfer using the same payment.
Method checked 2026-09-15 · Methods & sources · Examples are estimates, not current offers or quotes.
Your estimate
Fill in the inputs and select Calculate. Results clear when you change an input so you can compare a fresh estimate.
How this calculator works
Calculates the current-card payoff using the current APR and payment.
Adds the transfer fee to the opening transferred balance.
Uses the promotional APR through the stated period, then the post-promotion APR, with the same monthly payment.
Worked example
Worked example: transferring $1,000 with a 3.00% fee creates a $1,030 opening transfer balance. At 0.00% APR and $100 per month, it is paid in 11 months before a 12-month promotion expires.
Common questions
Is a balance transfer always cheaper?
No. The fee, promotional period, post-promotion APR, and your payment can make it cost more.
Does this include new purchases?
No. New purchases may have different terms and are excluded.