Calculator
Balance transfer break-even calculator
A balance transfer trades an upfront fee for a lower intro rate. Enter your numbers to see whether you clear it inside the intro window — and what it costs if you do not.
Runs entirely in your browser — nothing you type is stored or sent anywhere. Illustrative math only, not a quote, guarantee, or advice.
What this assumes
- The transfer fee is added upfront to the amount owed.
- Assumes a fixed monthly payment and a single post-intro APR.
- Real cards differ on fees, intro length, and how payments are applied.
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.