Balance Transfer Calculator
Estimate your savings and payoff timeline when transferring credit card balances to a lower-interest card. Compare fees, interest, and payoff strategies.
Estimated Savings
$9,413
Estimated Interest & Fees with Your Current Card
$11,709
Estimated Interest & Fees with a Balance Transfer Card
$2,296
Projected Payoff Date
November 2028
Bar chart comparing interest and fees: Your current card: $11,709.00, New balance transfer card: $2,296.00
Line chart comparing balance over time for current card and balance transfer card. Month 2025/06: Current Card $10,000.00, Balance Transfer $10,000.00; Month 2025/07: Current Card $9,958.00, Balance Transfer $9,700.00; Month 2025/08: Current Card $9,916.00, Balance Transfer $9,400.00; Month 2025/09: Current Card $9,872.00, Balance Transfer $9,100.00; Month 2025/12: Current Card $9,736.00, Balance Transfer $8,200.00; Month 2026/06: Current Card $9,437.00, Balance Transfer $6,400.00; Month 2026/12: Current Card $9,099.00, Balance Transfer $5,287.00; Month 2027/06: Current Card $8,717.00, Balance Transfer $4,045.00; Month 2027/12: Current Card $8,284.00, Balance Transfer $2,661.00; Month 2028/06: Current Card $7,794.00, Balance Transfer $1,117.00; Month 2028/12: Current Card $7,240.00, Balance Transfer $0.00; Month 2029/06: Current Card $6,613.00, Balance Transfer $0.00; Month 2029/12: Current Card $5,903.00, Balance Transfer $0.00; Month 2030/06: Current Card $5,100.00, Balance Transfer $0.00; Month 2030/12: Current Card $4,191.00, Balance Transfer $0.00; Month 2031/06: Current Card $3,163.00, Balance Transfer $0.00; Month 2031/12: Current Card $1,999.00, Balance Transfer $0.00; Month 2032/06: Current Card $681.00, Balance Transfer $0.00; Month 2032/09: Current Card $0.00, Balance Transfer $0.00