Credit Cards

Find your debt-free date — and what a 0% transfer saves.

See how long your current card takes to clear, versus moving the balance to a 0% intro card. Real math, no email.

Free · real amortization math

Your debt-free date — and what a 0% transfer saves

See how long your current card takes to pay off, versus moving the balance to a 0% intro card (fee included).

Assumes fixed monthly payments and that the intro APR reverts after the term. Real cards vary — check the offer terms.

Credit-card interest is the most expensive money most people carry — often 20–25% APR. Two levers change the math: your monthly payment, and whether you move the balance to a 0% intro card. The calculator above runs both.

A balance transfer wins when the interest you'd otherwise pay is larger than the transfer fee (typically 3–5%), and you can clear most of the balance before the 0% window closes. The tool splits your payoff across the intro period and any revert period, so the number is honest.

FAQ

Is the transfer fee worth it?
It's worth it when your current interest over the payoff period exceeds the 3–5% fee — which is common on balances above a few thousand dollars at 20%+ APR. The calculator shows the exact number.
What happens after the 0% period ends?
Any remaining balance starts accruing the card's regular APR. The goal is to pay it off within the intro window; the tool splits your payoff across both phases.