Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Balance Transfer Calculator

See how much you can save by moving high-interest credit card debt to a card with a lower or 0% promotional APR. Factors in the transfer fee so you get a true net savings figure.

Current Balance ($)

Current Card APR (%)

Balance Transfer APR (%)

Promotional Period

Balance Transfer Fee (%)

Fill in the required fields to see your result.

Debt

Debt Settlement Calculator

Estimate what you'll actually pay when settling debt for less than you owe. Factors in the settlement amount, company fees, and taxes on forgiven debt so you can weigh your true out-of-pocket cost.

Total Unsecured Debt ($)

Expected Settlement Percentage

Settlement Company Fee (%)

Tax Rate on Forgiven Debt (%)

Fill in the required fields to see your result.

Key differences

	Balance Transfer Calculator	Debt Settlement Calculator
Category	Debt	Debt
Inputs required	5	4
Result	Interest Savings ($)	Net Savings After All Costs ($)
What it does	See how much you can save by moving high-interest credit card debt to a card with a lower or 0% promotional APR. Factors in the transfer fee so you get a true net savings figure.	Estimate what you'll actually pay when settling debt for less than you owe. Factors in the settlement amount, company fees, and taxes on forgiven debt so you can weigh your true out-of-pocket cost.