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.
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Decision
Results
Zero Debt is not regulated by the Financial Conduct Authority (FCA). Calculators and planning tools provide educational information and estimates only; they are not financial advice.
Enter the current balance and transfer details, then run the analysis.
How balance transfers work
What is a balance transfer?
A balance transfer moves debt from one credit card to another, usually to take advantage of a lower interest rate. Many providers offer 0% introductory periods on balance transfers, giving you time to pay down the principal without accruing interest.
When a balance transfer saves money
A balance transfer is worth it when the money you save on interest exceeds the transfer fee. This calculator works out the break-even point so you can decide whether the switch makes financial sense for your situation.
- Transfer fee: Typically 1–3% of the amount transferred. This is the cost of the move.
- Introductory period: The 0% window — usually 12–24 months. The longer it lasts, the more you can pay down.
- Revert rate: The APR you are switched to after the intro period ends. Factor this into your plan.
How to use this calculator
Enter your current balance, transfer fee, introductory period, and monthly payment. The estimate shows how the transfer compares with your current plan, including the fee, interest, and projected payoff timing.