Balance Transfer vs Personal Loan Calculator

Check the balance when the promotion ends

The card fee is added to the balance. It earns true zero interest during the promotion, then ordinary monthly interest afterward under a fixed payment. The loan is grossed up if a deducted origination fee must still leave enough proceeds to clear the same debt.

Use the result in three steps

1. Copy the amounts, contract rates and dates from the actual offer. The presets are invented examples.
2. Save a baseline, change one assumption and compare results. Inspect the full schedule where available.
3. Use Verify to check the software arithmetic, then export the current scenario. Self-checks do not verify your contract or eligibility.

Key takeaways before using this estimate

• No. It does not add retroactive interest when a promotional balance remains. Use it only for a true zero-percent period followed by ordinary later interest, as described in the assumptions.
• The card follows the fixed payment you select, while the loan follows the term you enter. Compare dates and monthly affordability alongside total repayment; a lower total does not make a larger payment automatically affordable.
• CSV and PDF use the last valid scenario. Display currency relabels amounts without converting exchange rates.

Frequently asked questions