Balance Transfer Savings Calculator

Find exactly how much you'll save, what you need to pay monthly, and the cliff risk

0% Period
Intro APR tracking
Cliff Risk
Safe payment alert
Net Savings
Interest avoided
x

Current Card (The Card You're Escaping)

Auto-fills from database. Typical: 15–25%.
How much you want to move to the 0% card.

Target Card (The 0% Balance Transfer Card)

Auto-fills. Typical: 12–21 months.
Auto-fills. Typical: 3–5%.
Auto-fills. APR charged after the intro period.

Your Payment Plan

Amount you'll pay each month.
⚠️ At this rate you won't clear the balance before the 0% ends. You need /month.
Keep this $0 if possible. Most issuers apply payments to the 0% transferred balance first — so new purchases may accrue interest at the card's full APR right away.
💡 Safe Payment Guide
To clear balance + fee in months
$—
per month needed
Balance :
+ Fee:
= Total:
Online
Ask any doubts about cards.
Gemini 2.2 Ver