Balance transfer payoff calculator
Balance transfer payoff calculator.
A 0% period is only useful if the payment fits. Include the transfer fee, then count the payment dates you can use before your target payoff date.
What payment clears the balance?
Estimate a payoff plan at 0% interest. Use payment dates that fall before your target payoff date.
$309.00 per payment for 16 payments.
$144.00 transfer fee · $4,944.00 total to repay.
Assumes the fee is added to the balance, 0% covers the full amount, and every payment reduces this balance. Excludes other fees, new spending and interest. Your statement’s minimum is still due on time. Inputs stay in your browser.
A text file with your numbers, result and assumptions. Created on this device.
Count payment dates, not just months.
If an offer runs for 18 months, you may have fewer than 18 statement due dates before the promotion ends. Check the actual end date and leave time for the last payment to arrive.
Balance + transfer fee = total to repay.
Total ÷ payment dates = plan payment.
The calculator rounds the regular payment up to the next cent and adjusts the last payment. It assumes 0% applies to the whole transferred amount and fee. It does not calculate interest after the promotion.