See your debt-free date, what the balance really costs in interest, and whether a balance transfer would save you money. Everything runs in your browser — nothing is uploaded.
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The fee is added to the transferred balance and you keep paying the same amount each month. Check the real offer terms — a missed payment usually kills the promo rate.
Add cards with the “Add another card” switch and compare snowball vs avalanche order — the same payoff engine as the Debt Payoff Calculator, with each card's minimum paid first.
The cost of just holding today's balance for one more day. Every payment shrinks it; every purchase grows it.
Estimates use a simple monthly interest model (balance × APR ÷ 12). Real issuers charge interest on your average daily balance and set minimums by their own formulas, so your statement may differ slightly. Estimate only, not financial advice.
See your debt-free date, the true interest cost of a card balance, and whether a balance transfer would save money.
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See when a credit card balance will actually be gone, what it costs you in interest on the way, how minimum payments compare, and whether a balance transfer would save you money.
A $6,500 balance at 22.9% APR, paid at $250 a month, is gone in 37 months and costs $2,566 in interest — about $4.08 of interest every day at the start. Paying only the minimum, modelled as interest plus 1% of the balance, would take 258 months and $11,316 of interest.
The balance is simulated month by month: interest is charged at APR ÷ 12 on the balance, then your payment lands. The minimum-only comparison follows the minimum model you pick — interest plus 1% of the balance, a flat percentage of the balance, or a flat $25 — each with a $25 floor. A balance transfer adds the fee to the balance, charges the promo APR for the promo months, then the go-to APR, at the same monthly payment. With several cards, every card gets its minimum first and the rest of your budget cascades onto one target card — highest APR (avalanche) or smallest balance (snowball).
Because the minimum shrinks as the balance shrinks. On the common interest-plus-1% model, most of each early payment is interest, and the payment keeps dropping with the balance — a $6,500 balance at 22.9% APR takes over 21 years to clear on minimums alone. Any fixed payment, held steady, beats it by years.
Compare the fee with the interest you would otherwise pay. In the worked example, moving $6,500 to 0% for 18 months at a 3% fee costs the $195 fee plus about $231 of interest after the promo ends — roughly $2,141 less than staying at 22.9% on the same $250 a month. It stops paying off if you pay slowly, miss a payment, or the go-to APR is high.
Both pay every minimum first. The spare money then attacks either the smallest balance (snowball — quick wins that keep you motivated) or the highest APR (avalanche — usually the cheapest in total interest). The multi-card mode shows both costs side by side.
The balance grows instead of shrinking — and the calculator says so plainly instead of inventing a payoff date. Raise the payment above the monthly interest charge and a debt-free date appears.
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