Enter your balance, current rate, and monthly payment to see your net savings after transfer fees — and the exact monthly payment needed to pay it off before the 0% period ends.
Your transfer summary
By transferring $6,000 at a 3% transfer fee, you pay $180 upfront and save an estimated $1,287 in interest over 18 months. To pay this off before the 0% period ends, you need to pay $344/month.
⚠ Warning: At $300/month, you won't pay off the full balance in 18 months. Remaining balance at expiry: approximately $780. After the intro period, this balance will revert to approximately ~24.99% APR. To pay it off in time, increase your monthly payment to at least $344/month.
Current 0% balance transfer offers
Compare cards offering 0% intro APR for 18 months on balance transfers — including transfer fee and ongoing APR after the intro period.
Compare 0% balance transfer cards →No Slave To Debt may receive compensation from partner card issuers. This does not affect our editorial recommendations.
How it works
A 3% transfer fee on $6,000 = $180. At 22% APR, you're paying roughly $110/month in interest on that balance. The fee is recovered in under 2 months. After that, every month of the 0% period is pure savings.
Divide (balance + fee) by the number of promo months. That's what you need to pay monthly to avoid a remaining balance when the rate resets. If you can't commit to that payment, a balance transfer is risky.
After transferring the balance, the original card has a $0 balance. Using it for new purchases turns a smart debt move into double the debt. Put it in a drawer or freeze it.
Balance transfers must cross issuers — you can't transfer a Chase balance to another Chase card. Chase → Citi, Citi → Discover, etc. Check issuer eligibility before applying.
Related tools
Wondering if a personal loan might be better? See balance transfer vs. personal loan — cost, risk, and credit requirements compared.
Compare Options →Not sure if a balance transfer is better than just paying off the debt? See the full comparison — consolidation vs. payoff strategy with the math.
Consolidation vs. Payoff →Ready to apply? Compare the top 0% balance transfer cards — intro periods, transfer fees, and credit requirements side by side.
Compare Cards →Once you've transferred, how much should you pay each month? See the exact math — minimum vs. extra payments and what the difference costs you.
Minimum vs. Extra →Ramsey says cut up the cards — but is a 0% transfer ever smart first? See Dave Ramsey vs. avalanche — where his advice holds and where the math wins.
Ramsey vs. Avalanche →Want to see your credit card payoff date before you transfer? Use the credit card payoff calculator — run the numbers with and without a transfer to see what saves more.
Credit Card Calculator →Not sure a balance transfer is right for you? A personal loan is the other option. See the personal loan payoff calculator — compare the cost at any fixed rate.
Personal Loan Calculator →Some people use balance transfers to cover medical bills — but most bills are 0% already. See the medical debt guide — what to negotiate before you ever consider transferring.
Medical Debt Guide →Transfer done — now pick your payoff order. See snowball vs. avalanche compared — which method saves more interest and which builds more momentum.
Snowball vs. Avalanche →Also carrying student loans? See the student loan payoff guide— federal loans can't be transferred, so they need a separate payoff strategy.
Student Loan Guide →Transfer complete — now track your payoff on paper. Print the free debt payoff worksheet — debt list, 12-month tracker, and milestone checkboxes.
Print Worksheet →Balance too high to transfer? See the debt relief options guide — when settlement, consolidation loans, or counseling make more sense than a card transfer.
Debt Relief Guide →Want to model your payoff timeline after the transfer? Download the free debt payoff spreadsheet— enter your new 0% balance and see exactly when you'll be done.
Get Spreadsheet →Want your exact payoff date at the new rate? Use the free debt payoff calculator — enter your transferred balance and 0% rate to see how fast you can clear it.
Try the Calculator →Want to see how balance transfers worked for real people? Read real debt payoff stories — how others used 0% periods to eliminate thousands in credit card debt.
Read Stories →Want deeper guides on using balance transfers strategically? Browse the debt payoff blog — breakdowns on consolidation, payoff methods, and how to make the most of a 0% period.
Read the Blog →Transferring debt is one move — knowing your total debt load is another. Use the free DTI calculator — see your debt-to-income ratio and how a successful transfer changes it.
DTI Calculator →Every dollar saved in interest from a 0% transfer is a direct net worth gain. Track it with the net worth calculator — see assets minus liabilities improve as the balance drops to zero.
Net Worth Calculator →After the transfer, attack the balance with the avalanche method to eliminate it before the 0% period ends. Use the avalanche payoff calculator — see your month-by-month payoff plan.
Avalanche Calculator →Prefer to clear your smallest debts first while the 0% window is open? Use the snowball calculator — see how combining a balance transfer with the snowball method frees up cash flow fastest.
Snowball Calculator →Not sure what balance transfer fee, intro APR, or regular APR means? Browse the debt payoff glossary— plain-English definitions for every term you'll see on a card offer.
Debt Glossary →A balance transfer is one of three moves that together cut your payoff time in half. Read: How to Pay Off Credit Card Debt Fast — the full stacked strategy.
Pay Off Debt Fast →FAQ