Balance transfer calculator.
Should you move a card balance to a 0% offer? Enter your balance, your rate, the fee and the promo length, and see whether the transfer saves money after the fee and whether you finish inside the window.
Moving the balance saves $2,074 after the $180 fee, and clears it 8 mo sooner. You do not finish inside the promo window, so the go-to rate kicks in.
Debtless tracks the promo deadline and the payoff date together, so the go-to rate never catches you out.
Make the transfer pay off.
- [ 01 ]
Divide before you apply
Balance plus fee, divided by promo months, is the payment that clears it at 0%. If you cannot pay that, the transfer still helps, just less. - [ 02 ]
Automate the payment
Set the fixed amount to go out the day after payday. Promo cards often lose the rate on a single late payment. - [ 03 ]
Freeze the old card
Keep it open for your credit history, but stop using it. A transfer that gets refilled doubles the debt. - [ 04 ]
Diary the end date
Write down the month the go-to rate starts. If a balance remains, plan a second transfer or a payment push before then.
Read the fine print.
- Promo rates usually apply to transfers only. New purchases on the card often accrue interest from day one.
- Most offers require the transfer within 60 to 120 days of opening to get the promo rate.
- You usually cannot transfer between cards from the same issuer.
- The fee is added to the balance, so a $6,000 transfer at 3% starts at $6,180.
A transfer changes the rate, not the habit. The credit card payoff guide covers the rest, and the avalanche calculator orders the transfer card among everything else you owe.
Keep going.
What a balance costs per day, month and year, and the payment to clear it.
How long minimums really take, and what a fixed payment does instead.
Highest interest rate first. The order that costs the least.
The plain-language playbook, from first list to last payment.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. Free on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.
Questions, answered.
Your debt‑free date is closer than you think.
Add your debts, pick a strategy, and watch the date move.
Free on the App Store