Balance transfer calculator
Compare staying on your current card to moving the balance to a low intro-rate card, accounting for the transfer fee.
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Frequently asked questions
Is a balance transfer worth the fee?
Often yes — if the interest saved during the intro period exceeds the transfer fee (usually 3–5%), you come out ahead. This calculator shows the net.
Estimates are for illustration only and assume monthly compounding; actual terms vary by credit union. Not financial advice.