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

Minimum Payment Calculator

Estimate a credit card's minimum monthly payment using the larger of a percent-of-balance floor or "interest plus 1% of principal" — the two common issuer formulas. Useful for predicting card payments and understanding why minimum-only payments take so long to clear a balance.

Credit Card Balance ($)

Annual Percentage Rate (APR) (%)

Minimum Payment Percentage (%)

Fill in the required fields to see your result.

Key differences

	Balance Transfer Calculator	Minimum Payment Calculator
Category	Debt	Debt
Inputs required	5	3
Result	Interest Savings ($)	Minimum Monthly Payment ($)
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 a credit card's minimum monthly payment using the larger of a percent-of-balance floor or "interest plus 1% of principal" — the two common issuer formulas. Useful for predicting card payments and understanding why minimum-only payments take so long to clear a balance.