Balance Transfer Calculator
Estimate whether moving credit card debt to a promotional balance transfer offer could lower interest costs and shorten your payoff timeline.
Add your balance, APR and monthly payment.
Enter the fee, promotional APR and offer length.
Review payoff time, interest and total savings.
Interest is estimated using monthly compounding and a fixed monthly payment. The calculator assumes no new purchases, cash advances, missed payments or promotional-rate penalties. Actual card issuers may calculate interest differently and may impose minimum-payment rules.
What is a balance transfer fee?
A balance transfer fee is usually charged as a percentage of the amount moved to the new card and is often added to the transferred balance.
What happens when the promotional period ends?
Any remaining balance may begin accruing interest at the standard post-promotion APR entered in the calculator.
Does a balance transfer always save money?
No. Savings depend on the fee, promotional APR, repayment speed and the interest rate on your current card.
Results are estimates generated locally in your browser using standard financial formulas and the figures you enter. They are for informational purposes only and are not financial, credit, tax or legal advice. Actual offers, rates, fees and eligibility vary by provider. VisionVix accepts no liability for decisions based on this tool's output.
This calculator is for educational and planning purposes only. It does not provide financial advice or guarantee approval, savings or specific credit-card terms. Review the card agreement and consult a qualified professional before making financial decisions.
