What happens after the promo period ends?

This calculator only compares costs during the promo window — if a balance remains after that, it typically reverts to a standard (often high) ongoing APR, so paying it off within the promo period matters.

Balance Transfer Calculator

Credit

Compare the cost of keeping a balance on your current card vs. transferring it to a promo-APR offer.

Display currency

Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.

Current card

Balance

Current APR (%)

Transfer offer

Transfer fee (%)

Promo APR (%)

Promo period (months)

Monthly payment

Cost if you stay: $0

Cost if you transfer: $0

Over the promo period, transferring saves

How this is calculated

Simulates a fixed monthly payment against your current balance at its current APR, and separately against the balance plus transfer fee at the promo APR, both over the promo period — then compares total interest plus any remaining balance for each path.

Frequently asked questions

What happens after the promo period ends?: This calculator only compares costs during the promo window — if a balance remains after that, it typically reverts to a standard (often high) ongoing APR, so paying it off within the promo period matters.

Credit Card Interest Calculator

Calculate the monthly interest charge on a credit card balance.

Credit Card Payoff Calculator

Calculate how long it will take to pay off a credit card with a fixed monthly payment.

Credit Utilization Calculator

Calculate your credit utilization ratio — the percentage of available credit currently in use.