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How much could I save by transferring/consolidating my credit card balances?
Use this calculator to see how much you could save by transferring higher-interest rate credit card balances to a credit card that not only offers a lower interest rate, but a promotional rate as well.
Financial Calculators ©1998-2024 KJE Computer Solutions, Inc.
Click this menu to access additional calculator functions including:
Reset to Defaults: Click the "Reset to Defaults" button to reload the default values for this calculator.
Clear all Fields: Click the "Clear all Fields" button to clear all entry fields and reset any radio buttons or drop downs to their default values.
Copy Link: Click to copy a link to this calculator and its current entries to the clipboard. This link can then be pasted into a browser, or another location such as an email or a document. When the link is followed, it will bring up the calculator and load the values that were entered when the link was created.
Email: Click to create an email. Your email program will open with a new email and a brief summary of the calculator results. A link will also be generated as part of the email. When this link is clicked, the calculator page and the values used to create the email will open in a internet browser tab.
Save a copy*: This allows you to save a copy of your entries. Up to 10 sets of data are allowed for each calculator. All data is stored locally and encrypted within your browser. The data is not transmitted over the Internet.
* Note: The "Save a Copy" function is temporary and will only retain information until you clear your browser's cache.
The Introductory promotional annual percentage rate you will pay on the new credit card. The rate you enter is used to calculate the interest on payments for the number of months entered in the term field.
The number of months you will receive the lower promotional rate for your balance transfer.
The annual percentage rate for the new credit card after the promotional period has ended.
The total amount of credit you have for the new credit card.
Your current balance on your credit card.
The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.
This is your initial minimum monthly payment. The tool calculates your minimum monthly payment as 3% of your current outstanding balance or $45 whichever is more. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
