Money & Planning

Balance Transfer Savings Calculator

Compare a balance-transfer offer with your current credit card, including transfer fees, promotional APR, payoff time, and total savings.

Last updated: August 2026

Currency

Current credit card

BalanceAPR (%)Monthly payment

Balance-transfer offer

Introductory APR (%)Intro period (months)

Transfer fee (%)

APR after promotion (%)

Transfer-fee handling Add fee to transferred balance Pay fee upfront

Payment after transfer Same monthly payment Custom monthly payment

Month-by-month comparison

Month	Current-card balance	Transfer balance	Current financing cost	Transfer financing cost

Offer scenarios

New purchases, late fees, annual fees, penalty APRs, and lost promotional eligibility are not included. Many issuers require minimum payments and may end promotional terms after missed payments. This is a planning estimate, not a credit-card offer.