Balance transfer calculator

Both paths pay the same fixed amount every month, on the same schedule, and the simulation runs until each balance reaches zero or the 360-month horizon, whichever comes first. The transfer path adds the fee (the larger of the percent fee and the minimum fee) to the balance on day one, charges the promo APR inside the window and the revert APR after it, and the savings figure nets the fee off the interest difference. Nothing here checks your credit, applies for a card, or reads a statement.

What this does not do: it will not model minimum payments, late fees, cash-advance rates, reward points, balance-transfer deadlines shorter than a billing cycle, or a payment you change partway through. Interest is computed at unrounded float precision, so treat the totals as a model, not a statement from your issuer.