Calculate Your Balance Transfer Savings
Compare your current credit card with a balance transfer offer. See how much you could save during the intro period, when you'll break even on the transfer fee, and how much you need to pay each month to pay off the balance before the intro period ends. Learn more about APR.
Current Credit Card
$
%
Annual percentage rate
New Balance Transfer Card
%
One-time fee for balance transfer
%
Introductory interest rate
months
Length of introductory rate period
%
APR after intro period ends
Balance Transfer Analysis
Transfer Fee
$150.00
3% of $5,000.00
Savings During Intro
-$204.00
Pay $204.00 more
Break-Even Point
2 months
Savings offset fee after 2 months
Recommended Monthly Payment
$286.11
Pay off $5,150.00 before intro period ends
Balance After Intro Period
$3,296.00
If paying minimum, $3,296.00 remains
⚠️ Important Consideration
If you don't pay off the balance during the intro period, you'll have $3,296.00 remaining that will accrue interest at 22% APR. Make sure you can pay off the balance before the intro period ends to maximize savings.
Balance Transfer Report
January 30, 2026
Current Credit Card
Current Balance: $5,000.00
Current APR: 22%
New Balance Transfer Card
Transfer Fee: 3%
Intro APR: 0%
Intro Period: 18 months
Regular APR After Intro: 22%
| BALANCE TRANSFER SUMMARY | |
|---|---|
| Transfer Fee | $150.00 |
| Total with Fee | $5,150.00 |
| Cost on Current Card | $1,800.00 |
| Cost with Transfer | $2,004.00 |
| Savings During Intro | -$204.00 |
| Break-Even | 2 months |
| Recommended Monthly Payment | $286.11 |
| Balance After Intro | $3,296.00 |
| Total Cost If Not Paid Off | $6,863.25 |
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Current Card vs Balance Transfer
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