How balance transfers work
A balance transfer moves debt from one credit card to another, often one offering a 0% introductory APR for a limited time. This can reduce interest costs, but usually comes with an upfront transfer fee.
How this calculator works
Enter the balance you’re transferring, the transfer fee percentage, the length of the 0% intro period, the regular APR that applies afterward, and your planned monthly payment. The calculator simulates your payoff month by month, applying 0% interest during the intro period and the regular APR after it ends, to estimate your total payoff time and interest cost.
This is a general planning estimate. Actual card terms, minimum payments, and fees vary by issuer.
Last reviewed August 2026