Balance Transfer Calculator
Is a balance transfer worth it? Compare interest + transfer fee against staying on your card.
Tool inputs stay in your browser · optional AI search sends your query
Good to know: Simulates the promo period month by month with the same monthly payment on both options. Estimate for planning only, based on the numbers you enter. Your bank or provider’s statement is the final word.
How to use it (step by step)
- 1Fill in the boxes: “Balance to transfer”, “Current APR (%)”, “Transfer fee (%)”, “Promo APR (%)”, “Promo length (months)”, “Monthly payment”. Example numbers are already there so you can see how it works; replace them with yours.
- 2The result updates instantly as you type (on a phone it is below the boxes).
- 3The bold line is the main answer. Tap Copy next to any value to copy it.
Words to know
- Interest
- The extra money you pay for borrowing, like a rental fee for using someone else’s money.
- Balance transfer
- Moving a debt from one card to another card, usually to get a lower interest rate for a few months.
- APR
- Annual Percentage Rate: the yearly interest rate. Philippine cards often show a monthly rate instead; ×12 gives the APR.
- Percentage
- A part out of 100. 25% of 200 = 50.
- DOCX (Word file)
- The file type Microsoft Word, Google Docs and WPS use for editable documents.
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