Balances to Transfer
Enter the balances you plan to transfer. This tool sums them into one transferred balance.
Balance Transfer Terms
Summary
0% promo plan + what happens after
Total balances
$0
Transfer fee
$0
Transferred balance
$0
Required payment
$0
Your payment
$0
Balance after promo
$0
Paying the required amount clears the balance before promo ends.
Charts
Balance and cumulative interest across promo + post‑promo months.
Balance Over Time
Cumulative Interest Paid
How Balance Transfer Calculations Work
- Transfer fee: usually a % of the transferred amount (often 3%–5%), added to your balance
- 0% promo period: interest is 0% during the promotional months
- Required payment: \( \text{(transferred balance)} / \text{promo months} \)
- Post‑promo APR: remaining balance starts accruing interest at the regular APR
This tool shows both the “pay it off in time” plan and what happens if you pay less than the required amount.
Tips to Avoid Post‑Promo Interest
- Set autopay to at least the required monthly payment
- Account for the transfer fee (it increases what you must pay off)
- Don’t add new purchases to the transfer card unless you understand how your issuer allocates payments
This is a planning tool, not financial advice.