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Your Current Credit Card

Current Balance ?Enter your current credit card balance that you want to transfer. This is the amount you owe on your existing card.

Current Interest Rate (APR %) ?Your current card's annual percentage rate. Find this on your statement under "Interest Charges" or "Purchase APR". Typical rates range from 15% to 25%.

Current Monthly Payment ?Enter the amount you're currently paying each month. This should be at least your minimum payment, but ideally more for faster payoff.

Desired Payoff Period (Months) ?Set your target payoff timeline. This helps calculate the required monthly payment and compare costs. Typical intro periods are 12-21 months.

months

0% Intro APR Period ?The number of months you'll have 0% APR on the transferred balance. Common offers range from 12 to 21 months. Find this in the card's Schumer box.

Balance Transfer Fee ?Most cards charge 3-5% of the transferred amount as a fee. For example, 3% on $10,000 = $300 fee. Some cards offer 0% fee promotions.

Regular APR (After Intro) ?The interest rate that applies after your 0% intro period ends. If you haven't paid off the balance, this rate will apply to the remaining amount.

Annual Fee (Optional) ?Some balance transfer cards have an annual fee. Many good cards have $0 annual fee. Enter 0 if your card has no fee.

Calculation Mode ?Fixed Payment: Use your current monthly payment. Target Payoff: Calculate required payment to pay off within intro period.

Minimum Payment % (Current Card) ?Most cards require a minimum payment of 1-3% of balance, or a fixed amount (e.g., $25), whichever is greater.

Extra Monthly Payment ?Additional amount to pay each month above the standard payment. This can help you pay off faster.

Show Post-Intro Analysis ?If you won't pay off during intro period, this shows what happens when regular APR kicks in.

Compare different balance transfer card offers to find the best deal for your situation.

Balance Transfer Analysis

Your Estimated Savings

Keep Current Card

Total Interest $0

Total Cost $0

Payoff Time 0 months

Balance Transfer

Transfer Fee $0

Total Interest + Fee $0

Payoff Time 0 months

Monthly Payment Details

Scenario	Monthly Payment	Total Payments	Interest Paid

Break-Even Analysis

Break-Even Point 0 months

Required Monthly Payment (Payoff in Intro) $0

Remaining Balance After Intro Period $0

Cost Comparison

Balance Over Time

Cumulative Interest Comparison

Payment Schedule

Card Comparison Results

Card	Intro Period	Transfer Fee	Total Cost	Savings	Recommendation