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Balance Transfer Calculator

Transfer fee vs interest savings ROI — is the 0% promo worth it?

Current Balance

Monthly Payment

Current APR

Transfer Fee (%)

Typical 3-5%

Promo Period (0% APR months)

Post-Promo APR

Transfer saves you

$1,129

Transfer fee$150

Stay & pay total$6,366

Transfer total$5,236

Transfer wins if (current APR × promo months) > transfer fee. Always pay enough during promo to clear balance before APR kicks in.