Balance transfer

Balance Transfer Savings Calculator

Estimate whether a 0% promo APR balance transfer can save money after the transfer fee.

Balance to transfer ($)

Current APR (%)

Monthly payment ($)

Transfer fee (%)

Promo APR (%)

Promo length (months)

APR after promo (%)

Stay with current card

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Transfer scenario

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Estimated net savings

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Decision check

Estimate only. Approval, credit limits, fees, retroactive interest rules, and balance transfer timing vary by issuer.