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Calculator

Balance transfer strategy calculator

Compare the transfer fee, the promo window, and the post-promo rate before you move a balance.

Check whether the fee, promo window, and your monthly payment still leave room to benefit.

A transfer only works when the balance can clear before the promo rate expires.

Fee vs savings Promo deadline Repayment speed

Current Card

Start with the balance you want to move and the rate you are paying now.

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Decision

Results

Enter the current balance and transfer details, then run the analysis.