Balance transfer calculator (0% window)
Payoff inside a 0% promo window and fee-adjusted savings versus staying on your current APR.
See whether a 0% balance-transfer promo (plus fee) beats staying on your current APR at a fixed payment. Educational only.
Promo vs stay
$254.65net vs stay
- Transfer fee
- $90.00
- Clears in promo?
- Yes
- Remaining after promo
- $0.00
- Interest if stay
- $344.65
Educational comparison of staying at your current APR versus a 0% promo with a transfer fee and fixed payment. Not a card offer or credit decision.
Educational estimates only. Not credit repair advice, not a guarantee of score changes or loan approval. Results vary; we are not a lender or law firm.