0% APR Balance Transfer Calculator
Calculate how much you can save with a 0% APR balance transfer. Determine your monthly payments, payoff timeline, and total interest savings.
Step 1: Current Debt Details
Balance Transfer Basics
A 0% APR balance transfer allows you to move high-interest credit card debt to a card with 0% interest for a promotional period, saving you money on interest.
Step 2: Balance Transfer Offer
About Transfer Fees
Most balance transfers charge a fee (typically 3-5% of the transferred amount). Make sure the interest savings outweigh this fee for the transfer to be worthwhile.
Balance Transfer Savings Results
Total Interest Savings
Current Card vs Balance Transfer
| Details | Current Card | Balance Transfer | Difference |
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Payment Schedule
Balance Transfer Formula
Savings = (Current Interest Paid) – (Transfer Fee + Post-Intro Interest)
Calculate your potential savings by comparing the total interest on your current card versus the total cost (fee + interest) of a balance transfer card.
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