calcy treasure chest of featuresLove the calculators but not the ads?

Take a sneak peek at the Ad-Free Design being enjoyed by hundreds of members for less than 25¢ a week. Full details and a bonus!

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.

#1#2#3
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
Heading

Tip

About

About the Compare Card Balance Transfer Calculator

This calculator will calculate a side-by-side comparison of up to three different balance transfer offers.

Unlike most credit card offer comparison calculators that only calculate the comparative results for the first year, this compare credit card balance transfer calculator will calculate the comparative results from now until the the amount you owe is paid off.

Plus, you also have the option of choosing between making a fixed payment or making declining minimum payments.

Discover the benefits of subscribing to the Ad-Free Member Version of my website.
Learn how I went from being trapped in a work I hated to being free to work at what I love.

Instructions

How to use the Compare Card Balance Transfer Calculator

Step #1:

Enter the amount of the transfer, select your monthly payment method (enter payment amount if fixed), and enter your monthly cash back qualifying purchases.

Step #2:

For each transfer offer you want to compare, enter the offer name and complete the offer's applicable fields. Then tap the "+" ("Add", or "Add Offer") button to add the offer to the list.

Step #3:

After all offers are entered tap the "Compare Transfer Offers" button. This will populate the "Transfer Offer Comparison Chart," plus display a summary and a bar chart showing the net-cost differences between the entered offers.

Saving Entries:

If your web browser supports Local Storage, you can save your entries to your web browser so won't have to start over on your next visit. Please note that your saved entries can only be retrieved from the same device and web browser you were using when you stored them. If you would like to access your saved entries from any device I invite you to subscribe to the Ad-Free Member Version.

To save your entries to your web browser, click or tap the Data tab in the Help and Tools section (mobile: top right of the main screen), select "New Data Record" from the drop-down menu, enter a name for the data record, and then tap or click the Save button.

To load previously saved entries, click or tap the Data tab and select the saved data record from the drop-down menu. You can then save any changes to your entries by simply clicking the Save button while the data record is selected.

To clear a named set of saved entries, click or tap the Data tab, select the saved data record from the drop-down menu, and then tap or click the Clear button.

Numbers and Decimals:

Only numeric characters (0-9 and decimal points) may be entered in numeric fields. Non-numeric characters (dollar signs, percent signs, commas, etc.) may cause calculation errors. If the field includes a grid icon, tapping the icon will open a popup keypad which will include only the characters allowed in the field. If your device keypad does not include a decimal point, use this popup keypad to enter decimal numbers where applicable.

Popup Tool Tips:

Tap the info (i) icons for a further explanation of each entry field (you can click [X] or outside of the pop-up tool tips to close them). A summary of these explanations, along with any additional term explanations, can also be found under the Terms tab.

Disclaimer:

Since I can't test for every possible combination of numbers, please be sure to double-check the results of this calculator yourself before considering them to be valid. If you do discover an issue with the calculated results, please report the issue using the feedback form located below the calculator.

Scrolling & Shrinking:

In order to scroll the calculator vertically you will need to swipe just outside of the calculator's dark-blue border, or use the window's far right-hand scroll bar, whichever is applicable to your device.

If the top section of the calculator becomes to tall for your viewport, tapping in the "Enter a problem..." field should reset the top section to its original height.

Disclaimer:

The Algebra Calculator is the only calculator on the site that I did not create myself. And since I did not create it, I don't have access to the code for fixing any issues you may be experiencing. So if you are having issues with the calculator, please visit the support page at Mathway.com for assistance.

Glossary

Fields, Terms, and Definitions.

Reset button:

Clicking the "Reset" button will restore the calculator to its default settings.

Pocket Calculator

Calculate any amounts needed to enter into calculator.

 

Data Management

Save and retrieve entries and notes (requires HTML5 compliant web browser).

Calculator Data

Calculator Data:

If you are using the latest version of your web browser software, this feature will allow you to save your calculator entries to your web browser's local storage in between visits. This means the calculator entries can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save data between devices you will need to subscribe to the Ad-Free Member Version.

Save: To save a new set of calculator entries, select "New Data Record" from the dropdown list, enter a nickname for the data record, then click the "Save" button.

Load: To load a previously saved set of calculator entries, simply select the name of the data record from the dropdown list.

Save Changes: To save changes to a set of previously saved calculator entries, be sure the name of the data record is selected, and then click the "Save" button.

Clear: To clear a saved set of entries, be sure the name of the data record is selected, and then click the "Clear" button.

Backup Data
My Notes:
Subscribe to the Cloud level of the Ad-Free Member Version to save your entries and notes to a secure online database, allowing you to access your saved entries from any device or web browser.

Sorry! The Save functions are bonus features reserved for those who allow ads to display on the page.

If you would like to use the Save features, please disable ad blocking for this website and refresh the page. Or you can choose to subscribe to the Ad-Free Member Version of the site.

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.

 

Favorites

Add or remove this page to/from my favorites.