What this estimate assumes
No new purchases, no additional fees, a fixed APR and payments at the end of each month. Interest is approximated monthly using APR ÷ 12; an issuer’s daily calculations and payment timing can produce different results. This is a planning estimate.
The transfer fee is added to the starting balance. A minimum transfer fee is not included. Enter your actual offer terms; the defaults are illustrative. This tool calculates a payment target, not savings against your current card.
Your agreement matters
Check your card’s fee and interest disclosures before making a decision. Read the CFPB’s definitions of common card terms.