Debt tools
Should I do a balance transfer?
A 0% window can wipe out a year or more of interest, but the transfer fee is charged up front and a new rate takes over the day the promo ends. This shows what you save, and what happens if you are still carrying a balance when the clock runs out.
The card you have
CURRENT$
%
$
The offer
TRANSFER%
%
mo
%
🧮
Enter your balance, rate and monthly payment, plus the offer you were sent.
Save or send these numbersEmail
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
Related calculators
Should I snowball or avalanche?
Compare the snowball and avalanche methods across all your balances.
Should I consolidate my debt?
Pick which balances to roll into one loan, and see what each move costs.
Should I use a HELOC to pay off debt?
Trade a high rate for a lower one — and see the payment jump when the draw period ends.
For educational purposes only. Transfer offers vary and the rate you are approved for may not be the one advertised. Carrying a transferred balance usually costs you the grace period on new purchases, so read the terms before you spend on the card.