Name: Balance Transfer Calculator
Author: Claire

Enter your balance, current APR, and the transfer offer. Get the exact break-even date, total interest saved, and Claire's verdict.

The Transfer Offer

Select the offer you're considering, or enter custom terms below.

Standard Offer 0% for 15 months · 3% fee

Extended 0% Offer 0% for 18 months · 3% fee

Long 0% Period 0% for 21 months · 5% fee

No-Fee Offer 0% for 12 months · 0% fee

Custom / Other Enter terms manually below

0% APR Period

Length of the 0% intro period

Transfer Fee

Typically 3–5% of balance transferred

APR After Intro Period

The go-to rate once 0% ends

Without Transfer

Total interest paid staying on current card

With Transfer

Transfer fee + interest if any remaining after 0% period

Payoff Timeline

Month 0

Claire's Math

Cards Claire Recommends For This Transfer

Based on your balance and payoff timeline. Verify current terms before applying — offers change.

Claire's Tip

"Want me to send you this breakdown? I'll also flag you if a better offer shows up for your balance size. —Claire"

No spam. Unsubscribe anytime.

Important: This calculator uses simple amortization math and publicly documented balance transfer mechanics [as of 2026 — verify current terms with each issuer]. It does not account for minimum payment requirements, variable APR adjustments, or promotional terms that differ from the standard offer. Not financial advice. Always confirm terms directly with the card issuer before transferring a balance.
AFFILIATE DISCLOSURE: Apply links below are affiliate links. Claire earns a small commission if you're approved. The math above is the same either way.

Balance Transfer Calculator