Calculation method
At each month-end, accrue APR/12 interest then apply the same capped payment budget on both paths. Apply the promotional APR only for its entered duration. Compare cumulative interest plus transfer fees at a common horizon.
Debt · General formulas
Credit Card Balance Transfer Break-Even Calculator
Compare keeping card debt with a balance transfer, including fees, promo expiry, post-promo APR and remaining balances under the same payment budget. Use the example values or enter your own numbers to explore an estimate.
Currency formatting only—not an exchange-rate conversion. No country-specific tax or government rules are applied.
Your results
See a clear estimate
Enter your details to see a personalized calculation, a simple projection, and the assumptions behind it.
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Calculate first to compare a snapshot or export your current results. No values are sent to our server.
The PDF includes active input values and option labels, results, sources, model assumptions, and the schedule when available. Schedule periods follow the model: years, months, or actual payments.
Up to three comparison snapshots
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Share assumptions, never dollar amounts
Links include eligible rate, term or frequency assumptions only. Dollar amounts are never included. Recipients must enter their own amounts; the link will not reproduce your full financial scenario.
Assumptions & limits
- Example: 1,000 transferred at a 3% financed fee starts at 1,030; at 0% APR and a 100 budget the final eleventh payment is 30.
- No new purchases, daily compounding, late fees, lost grace periods, changing minimum payments or eligibility assumptions. A first cost crossover may reverse after promotional expiry.
- Basis: User-entered values.
- Basis: Standard fixed-payment and time-value-of-money formulas.
Source/rule review year: Not applicable — general mathematical model.