Balance Transfer Savings Calculator

See whether transferring a balance to a lower-rate card actually saves you money once the transfer fee is factored in.

Current Balance

Current APR

Monthly Payment

Payoff Time2 yr 10 mo

Total Interest$2,403

Balance Transfer Fee

Intro APR

Intro Period

APR After Intro Period

≈ $180 fee added to the balance

Payoff Time2 yr 2 mo

Total Interest$285

Estimated Savings$1,938

Estimate only. Actual transfer fees, intro periods, and post-intro APR vary by card issuer and credit profile.

Better credit means better rates on everything above.