Your numbers

Example loaded: $7,500 balance, 22% current APR, 3% transfer fee, 18-month 0% promo, and a $250 payment. Results include the fee and promo-end balance.

Loaded your last numbers

1) Current card

Current balance ($)

Current APR (%)

Current monthly payment ($)

Enter balance and APR to estimate a minimum-style payment.

2) Balance transfer offer

Transfer fee (%)

3% of the balance is $225.00.

Minimum transfer fee ($, optional)

Used only when it is greater than the percentage-based fee.

Transfer fee treatment

Add the transfer fee to the new balance

Most transfers charge the fee to the new card balance.

Promo APR (%)

Most balance transfer offers use 0% during the promo period.

Promo period (months)

APR after promo (%)

Monthly payment after transfer ($)

Synced to the current-card payment for a consistent comparison.

Use the same monthly payment for both plans

Uses standard amortization math. Estimates only.

Some fields were prefilled from the previous page. Enter the remaining transfer details, then click Calculate.

How this calculator works

This calculator compares two payoff plans: keeping the current credit card and moving the balance to a balance transfer offer. The current-card path applies monthly interest using your current APR, then subtracts your current monthly payment until the balance reaches zero.

The transfer path accounts for the transfer fee, applies the promo APR during the promotional period, then switches to the post-promo APR if a balance remains. The result compares total cost, payoff time, balance after promo, and the month when the interest saved first offsets the transfer fee.

This comparison assumes the full entered balance is transferred, no new purchases are made, and every payment arrives on time. New purchases and card-specific promotional conditions can change the real result.

Results

Your numbers changed. Calculate again to refresh the comparison.

Scenario loaded from shared link.

Estimated comparison

Estimated to save $2,693.27 and finish 10 months sooner.

$3,225.00 remains when the promotional period ends and the 24.99% APR begins.

Transfer looks stronger

Estimated savings

$2,693.27

After fee and interest

Payoff difference

10 months sooner

Transfer 34 mo · current 44 mo

Break-even month

Month 2

Interest savings recover the fee

Balance after promo

$3,225.00

After 18 months

Remaining balance over time

Hover, focus, or tap on the chart for monthly balances

Starting point

Current balance$7,500.00 Transfer balance$7,725.00 Balance difference$225.00 higher on transfer

Current card Balance transfer Promotional period

How the fee changes the result

The transfer starts $225.00 behind because of the fee, recovers that cost by month 2, and finishes $2,693.27 ahead.

Transfer fee $225.00 Added to starting balance

Break-even Month 2 Fee first recovered

Final result +$2,693.27 Estimated savings by payoff

Current card plan

Current APR and current payment continue until payoff.

$10,988.35Total paid

Starting balance: $7,500.00
Monthly payment: $250.00
Balance at promo end: $5,253.00 left
Payoff time: 44 months, about 3.7 years
Total interest: $3,488.35

Balance transfer plan

Promo APR applies first; the regular APR applies to any remaining balance.

$8,295.08Total paid

Starting transfer balance: $7,725.00
Transfer fee: $225.00 added to balance
Monthly payment: $250.00
Balance after promo: $3,225.00 left
Payoff time: 34 months, about 2.8 years
Interest and fee: $570.08 interest + $225.00 fee

How this model works (assumptions) +

Interest accrues monthly using APR ÷ 12.
The current-card path uses the current APR and current monthly payment until payoff.
The balance-transfer path uses the promo APR for the promo period, then the post-promo APR after that.
The full balance entered is assumed to transfer. If the offer has a minimum fee, the calculator uses whichever is greater: the percentage-based fee or that minimum.
The transfer fee is either added to the new balance or treated as paid upfront, depending on the checkbox.
When the two monthly payments differ, the result reflects both the transfer terms and the payment change.
Break-even month is the first month when interest saved compared with the current card offsets the transfer fee.
No new purchases, late fees, annual fees, penalty APR changes, rewards, issuer-specific daily balance methods, or missed payments are included.

When a balance transfer helps—and when it doesn't

A lower promotional APR doesn't automatically make a transfer the better choice. The stronger plan is the one that lowers estimated total cost, recovers the transfer fee, and leaves a manageable balance when the promotional period ends.

Signs the transfer is helping

The fee is recovered early enough to create clear savings.
The transferred balance falls substantially before the regular APR begins.
Total cost and payoff time improve at a payment you can maintain.

Signs the current plan may be stronger

The fee isn't recovered or the estimated savings are small.
A large balance remains when the post-promotional APR starts.
The transfer costs more overall or extends the payoff timeline.

Pay close attention to the balance after the promo.

Any remaining balance begins accruing interest at the regular APR. A long 0% period helps most when the monthly payment reduces that balance before the promotional rate expires.

What to test next

Test a higher payment

See whether a manageable increase reduces the promo-end balance and total cost.

Test a target payoff date

Find the monthly payment needed to finish before the promotional rate expires.

Compare against consolidation

Compare the temporary promotional rate with a fixed rate and payment schedule.

About this calculator

This calculator is built by DebtOptimizerHub to help users compare balance transfer offers using standard amortization math. It is designed for educational estimates and does not replace your credit card agreement, balance transfer disclosures, or financial advice.

The results depend on the numbers entered, including the transfer fee, promo period, post-promo APR, and monthly payment. Actual card terms may include additional fees, minimum-payment rules, penalty APRs, or promotional conditions that are not included in this estimate.