Start Calculating Free

Balance Transfer Calculator

Save thousands by moving high-interest debt

Use our Balance Transfer Calculator to compare paying off debt on your current card vs. transferring to a 0% intro APR offer.

$500–$50K
10%–36%
$25–$5K
Usually 0%
6–24 months
0%–5%
12%–30%

Enter transfer details to calculate savings

How balance transfers work and when to use them.

0% Intro APR

Pay no interest

12–21 months

Transfer Fee

3%–5% of balance

One-time cost

Payoff Plan

Fixed monthly

Beat intro end

Savings = Interest Avoided – Transfer Fee

Balance Transfer Calculator: Stop Paying High Interest

Use our Balance Transfer Calculator to see exactly how much you’ll save by moving credit card debt to a 0% intro APR balance transfer card.

"A balance transfer can save you hundreds — if you pay it off in time." — Credit Expert

How the Balance Transfer Calculator Works

Our Balance Transfer Calculator compares two scenarios:

  • Current Card: Pay at current APR until $0
  • Transfer Card: Pay 0% during intro, then regular APR
  • Fee: 3%–5% of transferred balance
  • Savings: Interest avoided minus fee

Key Outputs from the Balance Transfer Calculator

  • Total Interest Savings
  • Transfer Fee Cost
  • Payoff Timeline
  • Break-Even Analysis
  • Recommended Payment

Why Use This Balance Transfer Calculator?

  • 0% intro modeling
  • Transfer fee included
  • Payoff timeline
  • Break-even point
  • Mobile-optimized

Real Balance Transfer Calculator Examples

  • $8K @ 22.9%, $300/mo: $2,340 interest → Transfer saves $1,900
  • $5K @ 19.9%, 15-mo 0%: $240 fee → $1,100 saved
  • Break-even: Payoff in 14 months to beat fee

Get Started with the Balance Transfer Calculator

  1. Enter Current Balance & APR
  2. Set Monthly Payment
  3. Input Transfer Offer Details
  4. View Savings & Payoff Plan
  5. Apply Before Intro Ends

Calculate Your Savings Now

The Balance Transfer Calculator shows your path to interest-free payoff. Start now.

Run Balance Transfer Calculator