How it works
Compare monthly rounded-interest payoff under the original rate with a transferred balance including the percentage fee, promo months and a later rate.
Input definitions
- Starting balance
- Enter the value in the labeled unit.
- Original nominal annual rate (%)
- Enter the value in the labeled unit.
- Transfer fee added to new balance (%)
- Enter the value in the labeled unit.
- Promotional nominal annual rate (%)
- Enter the value in the labeled unit.
- Promotional months
- Enter the value in the labeled unit.
- Post-promotion nominal annual rate (%)
- Enter the value in the labeled unit.
- Fixed monthly payment
- Enter the value in the labeled unit.
A worked example
- Starting balance
- 1200
- Original nominal annual rate (%)
- 20
- Transfer fee added to new balance (%)
- 3
- Promotional nominal annual rate (%)
- 0
- Promotional months
- 12
- Post-promotion nominal annual rate (%)
- 24
- Fixed monthly payment
- 150
Assumptions & limits
Single-currency illustration using your entered amounts and rates, not a recommendation, approval or forecast. No automatic tax rules or market data.
Sources & review
Maintained by AnsRio. Methods and examples use automated checks; this does not imply independent professional certification.
Method updated 2026-10-17. Content checked against the stated method and examples. Our verification approach.
Common questions
Can a zero-percent transfer still cost money?
Yes. A transfer fee adds to the balance, and remaining debt can accrue the post-promotion rate. Compare fee plus interest, not just the advertised promotional rate.
How does Credit card balance transfer comparison work?
Compare monthly rounded-interest payoff under the original rate with a transferred balance including the percentage fee, promo months and a later rate.
What are the limits of Credit card balance transfer comparison?
Single-currency illustration using your entered amounts and rates, not a recommendation, approval or forecast. No automatic tax rules or market data.
How do I keep the full worksheet?
Run the tool and choose Download file. The on-page table is a preview and may show only the first 20 rows; the downloaded file contains the full result. CSV downloads escape spreadsheet formula prefixes. Inputs and files are processed on your device.