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Balance Transfer Calculator — Promo Savings vs Transfer Fee

Compare keeping your balance on the current card vs transferring to a 0% promo — including the transfer fee.

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Fed G.19 avg APR for accounts assessed interest: 21.52% (Q1 2026)· Source: Federal Reserve G.19

Current card

Balance

APR %Monthly payment

Transfer offer

0% promo monthsPromo APR %APR after promo %Transfer fee %

Keep current card

52 months

$2,686.15 interest

Transfer

Fee $150.00 · 38 months

$475.33 interest

Transfer saves $2,210.82 in interest and 14 months.

Balance transfer offers vary. This compares interest paths only — not broker recommendations or approval odds. Read the offer terms and fee schedule before transferring.

How this is calculated

We compare paying down your current card at its APR against moving the balance to a 0% promo card with a transfer fee and post-promo rate.

Balance transfer comparison

Revolving payoff with fee added to transferred balance

Also try the 0% APR payoff calculator for promo-window targets.

Federal Reserve G.19 · Our methodology →

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Common questions

Yes — we add your fee percent to the transferred balance in the comparison.