A 0% balance-transfer offer usually comes with a 3–5% fee. Enter your balance, current APR, and the offer to see whether the interest saved beats the fee — and what to pay each month to clear it before the promo rate expires.
Now
$
%
$
Promo offer
%
%
mo
Verdict
Worth it — the promo beats the fee
Net saved (after fee)
$1,211
Transfer fee
$180
The numbers
Pay this/mo to clear by promo end
$343
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How it's calculated
Interest without transfer = what you'd pay at your current APR over the promo window.
Interest with transfer = at the promo APR, plus the upfront transfer fee.
Net saved = the difference. Pay-to-clear spreads the balance + fee over the promo months.
The transfer fee (often 3–5%) and the rate snapping back to a high APR after the promo. This calculator weighs the fee and shows what to pay to finish before that happens.
Should I keep using the old card?
New purchases often don't get the promo rate — this assumes you're paying down the transferred balance, not adding to it.