Balance transfer calculator
Balance transfer calculator: what's left when the promo ends?
Moving a card balance to a lower promotional rate? See the fee, what's left when the promo ends, and whether it beats staying put.
How this works
- The transfer fee is added to the balance you move.
- Each month adds a month of interest at the rate in effect (APR ÷ 12), then subtracts your payment.
- When the promotional period ends, whatever is left is charged the rate you enter for after the promo.
- Keeping the card runs the same payment on your current card at its current rate.
- It assumes no new charges and on-time payments. A payment more than 60 days late can end the promotional rate early (Regulation Z §1026.55).
Sources
Awaiting expert reviewPreview build. Estimates only; not financial, tax or legal advice.
Common questions
What happens when the promotional rate ends?
Any balance left is charged the card's regular rate from then on. The calculator shows how much would be left when the promo ends and the monthly payment that clears it in time.
How long does a promotional rate have to last?
Under Regulation Z, a card company can raise a promotional rate once a period of at least six months ends, or earlier if your minimum payment is more than 60 days late.
Is a balance transfer better than a consolidation loan?
It depends on the fee, how long the promotional rate lasts and whether you can clear the balance before it ends. A loan has a fixed payment and end date. Compare both before you choose.
Is the information I enter saved or sent anywhere?
No sign-up is needed. Your numbers are saved only in this browser, and the other tools on the site reuse them.