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Credit-Card Balance Transfer Savings Calculator

Net savings after the balance-transfer fee.

Compute the net interest savings of moving a credit-card balance from a high-APR card to a 0 % APR teaser, taking into account the upfront balance-transfer fee and the promo period.

Nadia Almasri By Nadia Almasri
Published Last reviewed 1 min read

Inputs

$
%
mo
%

Results

Enter values and click Calculate to see results.
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How to use this calculator

  1. Fill in the inputs above using the units you already have.
  2. Values update automatically as you type — no submit button needed.
  3. Hover any result row for the underlying formula and intermediate values.

Formula

Interest avoided ≈ balance · old_APR/100 · promo_months/12. Fee = balance · fee%. Net = avoided − fee.

In depth

Compute the net interest savings of moving a credit-card balance from a high-APR card to a 0 % APR teaser, taking into account the upfront balance-transfer fee and the promo period.