Balance-transfer payoff calculator
A balance-transfer offer only saves money if you clear the balance before the promotional rate ends. Enter the balance, the transfer fee, and the length of the offer to see the total to repay and the monthly payment that gets you to zero in time.
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How many months the 0% or low promotional rate lasts.
Results appear after clicking
Enter the balance and offer details and click to plan the payoff
Pay this each month to clear the balance in time
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over - months
Transfer fee
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Total to repay
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Cost of the fee
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Educational estimate, not financial advice. It assumes you add no new spending and clear the balance evenly across the promotional period. Anything left when the offer ends reverts to the standard rate. Confirm the fee and term with the issuer.