Enter your balance, rate, and payment. See the real cost of carrying that balance — and whether a balance transfer actually saves you money.
"Most people paying minimum payments don't realize they're funding their card issuer's next building. This calculator shows you exactly what that building costs." — Claire
Your Current Situation
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Your Results
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Interest % of Total
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Payment breakdown: interest vs principal
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Payment Strategy Comparison
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Balance Transfer Calculator
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Claire's Verdict
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Claire's Payoff Plan
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This tool uses standard amortization math. Results are estimates — actual interest depends on your card's daily periodic rate and billing cycle. Not financial advice. Verify payoff terms with your card issuer.
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FINANCIAL DISCLAIMER: This content is for informational purposes only and is not financial advice. Credit card terms, rates, and offers change frequently. Verify all details with the card issuer before applying.