Balance transfer calculator

Compare staying on your current card to moving the balance to a low intro-rate card, accounting for the transfer fee.

Balance ($)Current APR (%)Intro APR (%)Intro period (months)Transfer fee (%)Monthly payment ($)

Net savings over intro period$1,107.25

Interest on current card$1,287.25

Interest on new card$0.00

Transfer fee$180.00

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Is a balance transfer worth the fee?

Often yes — if the interest saved during the intro period exceeds the transfer fee (usually 3–5%), you come out ahead. This calculator shows the net.

Estimates are for illustration only and assume monthly compounding; actual terms vary by credit union. Not financial advice.