Credit Card Balance Transfer Calculator
Compare balance-transfer fees against estimated credit card interest savings.
Your results
Enter your figures and select Calculate results.
Illustrative estimates only, not financial advice. Rates, thresholds, taxes and eligibility can change. Check current official UK guidance and provider terms before making financial decisions. Actual outcomes may differ from the assumptions used here.
Credit Card Balance Transfer Calculator FAQs
Answers to common questions about this calculator and its assumptions.
What is a balance transfer fee?
It is a charge, often a percentage of the amount moved, added when transferring a balance.
What happens when the 0% period ends?
Any remaining balance may attract interest at the card's standard rate.
Will a transfer always save money?
Not necessarily. Fees, repayment size, promotional duration and eligibility all matter.
Are new purchases covered by the 0% offer?
Not always. Purchase and transfer promotional terms can differ.
For current UK financial rules and independent guidance, visit GOV.UK or MoneyHelper.