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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

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	6	3
Result	Total Interest Savings ($)	Minimum Monthly Payment ($)
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 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.