FreeByte

Balance transfer calculator

Is the fee worth the 0% window?

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
23.9%
3%
$

Saved by transferring

$2,026

Transfer fee

$240

With these inputs, saved by transferring comes to $2,026 over 18 months. Transfer fee works out to $240. The result assumes current apr stays at 23.9%.

Cleared during 0%
$7,200
Left when promo ends
$1,040
Interest if you stay put
$2,306

Over time · by 0% months

What moves the number · Saved by transferring

Input−10%Now+10%
Balance$1,585$2,026$2,519
Current APR$1,720$2,026$2,359
Transfer fee$2,052$2,026$2,001
0% months$1,964$2,026$2,059
Monthly payment$2,319$2,026$1,786

Solve for an input

Whatmakesequal

Compare scenarios

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Is the fee worth the 0% window?

A worked example

Starting figures

Balance
$8,000
Current APR
23.9%
Transfer fee
3%
0% months
18
Monthly payment
$400

What it returns

Saved by transferring
$2,026
Transfer fee
$240
Cleared during 0%
$7,200
Left when promo ends
$1,040
Interest if you stay put
$2,306

How to read the results

With the defaults above, saved by transferring works out at $2,026.

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