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Transfer vs Payoff Calculator

Should you transfer or just pay it off? Side-by-side breakeven.

Current Balance

Current APR

Monthly Payment Budget

Transfer Fee (%)

Promo Period (0% APR months)

Recommendation

TRANSFER

Pay-off total cost$6,081

Transfer total cost$5,280

Transfer fee$150

Transfer wins when your budget can clear the (balance + fee) within the promo period. Otherwise the post-promo APR can wipe out the savings.