Balance Transfer Calculator
A 0% intro offer can be a genuine gift — or a trap with a fee and a cliff. Enter the details to see whether your payment clears the balance before the intro rate ends, and whether the transfer beats just staying on your current card.
Your situation
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The transfer offer
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🔒 Everything is calculated locally. We never see your numbers.
Does the transfer pay off?
How to read this: The transfer fee is added to your balance on day one — a 3% fee on $6,000 is $180 of new debt before you've saved a cent. The whole game is clearing the balance during the intro window, because anything left when it ends gets hit with the post-intro APR. If your payment can't finish in time, raise it until the result turns green, or reconsider the transfer.
Read the fine print first: The truth about balance transfers.