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Compare Credit Card Balance Transfer Calculator for Comparing Up to 3 Offers

Calculator Preferences
Compare Card Balance Transfer Calculator Sign
Compare Card Balance Transfer Calculator

This calculator greatly simplifies the otherwise complex by calculating a side-by-side cost comparison between two or three different balance transfer offers. Unlike other online comparison calculators that only show the first year comparison, this tool will calculate the comparison between now and when each offer's balance will be paid off. The Notes tab includes:

  • Comparison shopper dies from complications.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Balance Transfer Details

Balance Transfer Details:

This section contains the details that will apply to all entered offers. These include the amount of the transfer, your monthly payment preference following the transfer, and your monthly "cash back" qualifying purchases after the transfer.

Transfer amt:Transfer amount:Balance transfer amount:Balance transfer amount:

Balance transfer amount:

Enter the total of all balances you are considering transferring to another credit card. Enter as a dollar amount, but without the dollar signs and commas.

Monthly payment:

Monthly payment options and amount:

Select your preferred monthly payment method. If you choose the Fixed pmt option, enter the fixed payment amount. For all other options the calculator will compute the minimum payment for you based on the balance transfer amount and your minimum payment percentage selection.

Spend/month:Monthly purchases:Monthly qualifying purchases:Monthly qualifying purchases:

Monthly qualifying purchases:

If any of the balance transfer offers include a cash back offer, enter the dollar amount of your estimated monthly purchases that would qualify. Note that the calculator assumes you will pay off these purchases each month.

Enter 2-3 Transfer OffersEnter 2-3 Balance Transfer OffersEnter Up to 3 Balance Transfer OffersEnter Up to 3 Balance Transfer Offers

Enter Up To 3 Transfer Offers:

To add an offer, enter offer's name and terms. When you're satisfied with the entries, tap the + button (may also appear as "Add" or "Add Offer" depending on the width of your device).

To edit an offer in the list, tap the radio button in the Edit column. This will load the offer into the form for editing. When you're satisfied with the changes you've made, tap the S button (may also appear as "Save" or "Save Changes" depending on the width of your device).

To delete an offer from the list, tap the radio button in the Edit column. This will load the offer into the form for deleting. Tap the button (may also appear as "Delete" depending on the width of your device).

To clear the form to create a new offer entry, tap the C button (may also appear as "Clr" or "Clear" depending on the width of your device).

Important! The entered offers are saved in your device's random memory (temporary storage), which means that if you surf to another calculator or close this browser window you will need to re-enter your offers.

Offer name:Offer name:Name of company making offer:Name of company making offer:

Name of company making offer:

Enter the name of the credit card company that is offering the balance transfer.

Intro rate:Introductory rate:Introductory interest rate:Introductory interest rate:

Introductory interest rate:

Enter the introductory rate for the balance transfer offer. Enter as a percentage but without the percent sign (for .039 or 3.9%, enter 3.9). If 0%, simply enter a zero.

Intro months:Introductory months:Number of introductory months:Number of introductory months:

Number of introductory months:

Enter the number of months the introductory interest rate will last for.

Post rate:Post intro rate:Post introductory interest rate:Post introductory interest rate:

Post introductory interest rate:

Enter the annual interest rate that will go into effect once the introductory term has ended. Enter as a percentage but without the percent sign (for .1790 or 17.9%, enter 17.9). Note that this is the only required field for the offer being entered.

Annual fee:

Annual fee:

If the balance transfer offer carries an annual fee, enter the amount on this line. Otherwise leave blank or enter a zero.

Transfer fee:Transfer fee %:Balance transfer fee percentage:Balance transfer fee percentage:

Balance transfer fee percentage:

Enter the balance transfer fee percentage (usually 3% to 5%). Enter as a percentage but without the percent sign (for .03 or 3%, enter 3). If no transfer fee leave blank or enter a zero.

Fee cap:Transfer fee cap:Balance transfer fee cap:Balance transfer fee cap:

Balance transfer fee cap:

Enter the balance transfer fee cap or maximum (usually $50 to $75). Enter as a dollar amount but without the dollar sign and commas. If no balance transfer fee cap leave this field blank.

Cash back:Cash back %:Cash back percentage:Cash back percentage:

Cash back percentage:

If the balance transfer offer includes a cash back incentive, enter the cash back percentage (usually 1% to 2%). Enter as a percentage but without the percent sign (for .01 or 1%, enter 1). Otherwise leave blank or enter a zero.

Transfer Offer Comparison

Transfer Offer Comparison Chart:

This chart will display the calculated costs and rewards for each entered offer. For each entered offer, the costs and rewards accumulate from the start of the transfer through to the time the transferred balance is paid off.

Tap the links in the left-hand column for a more detailed explanation of each row.

Months:Months:Months:Months to pay off:

Months to pay off:

This row displays the number of months it will take you to pay off your transferred balance for each entered offer. Note that the calculations assume that you will pay off all future charges in the month they were charged.

Trans fee:Trans fee:Transfer fee:Balance transfer fee:

Balance transfer fee:

This row displays the dollar amount of the balance transfer fee for each entered offer. The calculated result is the balance transfer percentage multiplied by the amount transferred, or the balance transfer cap, whichever is smaller. Note that the calculator assumes that the balance transfer fee will be added to the balance owed.

Ann fees:Ann fees:Annual fees:Total annual fees:

Total annual fees:

This row displays the total of all annual fees for each entered offer. The result is calculated by multiplying the number of years (payments divided by 12) by the annual fee. Note that the calculator assumes that the annual fees will be added to the balance as they come due.

Interest:Interest:Finance charges:Total finance charges:

Total finance charges:

This row displays the total finance charges you will end up paying for each entered offer, between now and when you finally pay off the balance.

Total cost:Total cost:Total cost:Total cost:

Total cost:

This row displays the total of the transfer fee, annual fees, and finance charges for each entered offer.

Cash back:Cash back:Less cash back:Less cash back:

Less cash back:

For each entered offer that comes with a cash back incentive, this row will display the cash back rewards that will be accumulated between now and when you pay off your balance.

Net cost:Net cost:Net cost:Net cost:

Net cost:

For each entered offer, this row will display net cost. The net cost is calculated by subtracting the cash back amount from the total cost amount.

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.