Balance Transfer Calculator

Compare the cost of staying on your current APR versus moving to a promotional transfer offer, including fee impact and break-even timing, based on your inputs.

For educational purposes. Estimated outcomes are not regulated financial advice.

Check your estimated balance transfer outcome

Small monthly changes can make a big difference when transfer fees and promotional periods are clear.

Quick break-even and savings view

For educational purposes. Costs and savings are estimated based on your inputs.

Balance to transfer (£)The amount you plan to move to a new card.Current APR (%)Your current purchase or balance APR.Promotional APR (%)Often 0%, but check the offer details.Promotional duration (months)How long the promotional APR lasts.Transfer fee (%)Usually charged once as a percentage of the transferred balance.

Important disclaimer

Payoff Compass provides educational tools and estimates. It is not regulated financial advice.

Based on your inputs, outcomes are estimated and may differ from lender calculations.

Enter your details to estimate break-even timing and whether a transfer may reduce your costs.

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Frequently asked questions

How is transfer cost estimated?+

We estimate transfer cost as transfer fee plus promo-period interest based on your inputs.

What does break-even mean?+

Break-even is the estimated month when lower interest savings offset the transfer fee.

Can this replace lender terms and conditions?+

No. Always check eligibility, representative APR, fees, and full terms from the provider.