🔄 Balance Transfer Savings Calculator
1. CURRENT CREDIT CARD DETAILS
(Existing balance, rate & monthly pay)
2. NEW BALANCE TRANSFER CARD
(Promotional terms & transfer fee)
SUMMARY
(Net benefit after transfer fees)
Estimated Net Savings
$1,245.80
Upfront Transfer Fee
$180.00
Interest Without Transfer
$1,425.80
Interest With Transfer Card
$0.00
Payoff Time (Current Card)
25 mos
Payoff Time (Transfer Card)
21 mos
BALANCE TRAJECTORY COMPARISON
ABOUT THIS CALCULATOR
The Balance Transfer Savings Calculator evaluates the financial benefit of moving high-interest credit card debt to a new card offering a 0% intro APR promotional period.
By factoring in upfront balance transfer fees (typically 3%–5%) and post-promotional interest rates, it provides a realistic net savings projection and timeline comparison.
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