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Balance Transfer Calculator

A 0% balance transfer card can stop interest on credit card debt — but there's usually a transfer fee and the rate jumps when the intro period ends. See whether it saves you money and how much to pay each month.

By the CalcKite team · Last reviewed 19 Oct 2026 · Cite · Embed

How to use the Balance Transfer Calculator

Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.

Formula

Fee = balance × transfer fee % Interest is charged at the intro APR during the intro period, then at the regular APR Savings = interest if you stay − (interest after transfer + fee)

Frequently asked questions

Is a balance transfer worth the fee?

Usually yes for balances you can pay off during the intro period — a 3% fee is much less than a year of 20%+ interest.

What happens when the intro period ends?

Any remaining balance starts accruing the regular APR, which is often high. Plan to clear it before then.

Cite or link to this calculator

Using this calculator in an article, report or assignment? You can cite it like this:

CalcKite. (2026). Balance Transfer Calculator [Online calculator]. https://www.calckite.com/balance-transfer-calculator/

Or add a link to it from your website or blog:

<a href="https://www.calckite.com/balance-transfer-calculator/">Balance Transfer Calculator</a> by CalcKite

Add this calculator to your website — free

Bloggers, schools, agents and businesses can embed the Balance Transfer Calculator on their own pages. Copy the code below and paste it into your page's HTML. The calculator resizes itself to fit, and works on phones.

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Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.