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

Balance Transfer Calculator

Find out how much interest you can save by moving high-APR credit card debt to a 0% promotional offer. Accounts for transfer fees, promo period length, and your monthly payment.

Current Credit Card Balance ($)

Current APR (%)

Balance Transfer Fee (%)

Promotional APR (%)

Promotional Period

Monthly Payment Amount ($)

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	6	4
Result	Total Interest Savings ($)	Net Savings After All Costs ($)
What it does	Find out how much interest you can save by moving high-APR credit card debt to a 0% promotional offer. Accounts for transfer fees, promo period length, and your monthly payment.	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.