Credit Card Balance Transfer Calculator
Last updated: October 15, 2026
Estimate payoff time and savings from a credit card balance-transfer offer.
Estimated total savings
—
- Transfer fee: —
- Payoff time: current vs transfer: —
- Current interest vs transfer cost: —
- Balance after promotional period: —
On this page
Quick summary: Estimate payoff time and savings from a credit card balance-transfer offer.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate payoff time and savings from a credit card balance-transfer offer.
How to use it
Enter Balance to transfer ($); Current card APR (%); Monthly payment ($); Balance-transfer fee (%); Promotional APR (%); Promotional period (months); APR after promotion (%). Select Calculate to update the results.
How the calculation works
The calculator simulates each month. It adds the transfer fee to the new balance, applies the promotional APR for the selected period, then switches to the post-promotion APR.
Worked example: starting scenario
| Balance to transfer ($) | 10000 |
|---|---|
| Current card APR (%) | 24 |
| Monthly payment ($) | 400 |
| Balance-transfer fee (%) | 3 |
| Promotional APR (%) | 0 |
| Promotional period (months) | 18 |
| APR after promotion (%) | 20 |
| Estimated total savings | $3,453.46 saved |
|---|---|
| Transfer fee | $300.00 |
| Payoff time: current vs transfer | 36 months vs 27 months |
| Current interest vs transfer cost | $4,001.13 vs $547.67 |
| Balance after promotional period | $3,100.00 |
Important limitations
Offers may exclude certain balances, require minimum payments, use deferred-interest terms or change the APR after late payments.