Our technology allows you to envision your balance under a new interest rate and a faster repayment plan, connecting you to the balance transfer offers that fit your needs. The Balance Transfer Calculator delivers an in-depth analysis, based on your unique situation; and provides a report on effectiveness of your current payments. Through just a few clicks you will see the optimal time frames and monthly payments recommended for your unique situation.
Get an instant comparison of the current charges on your existing balance next to what you'd be charged on another card. Our tool will immediately generate an interactive report, by expertly weighing your current outstanding balance and terms of payment against multiple balance transfer offers - including zero percent and no-fee offers. Sort offers by rewards, features, issuing bank and more; so you can narrow down your choices, and find most favorable conditions to repay your balance; then apply immediately through our direct secure connection.
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1 The calculator works in the following way: you enter the information about your old card/cards and choose a new balance transfer credit card. Then you determine payment period or the amount of your monthly payment. Read more >
1 The calculator works in the following way: you enter the information about your old card/cards and choose a new balance transfer credit card. Then you determine payment period or the amount of your monthly payment. On the base of these data the calculator builds the payments tables. Then the calculator works with these tables and calculates the total expenses on current and a new card (i.e. interest payments and fees). Comparing the expenses the calculator shows you total amount of savings you can earn. The calculation is based on the formulas that assess potential savings from a credit card (credit cards) and yield reasonably accurate results.
New Cards for Balance Transfer
In our calculator we offer balance transfer credit cards the data of which is taken from our data base. These data is constantly renewed according to any bank changes.
Optimal Monthly Payment
The amount of optimal monthly payment is determined on conditions that you will pay your debt fully during 0% intro period of your card (i.e. provided that you'll pay nothing on the interest).
The Total Savings are computed in the following way: interest expenses and commissions of your current cards minus similar costs of your new card. Rewards earned with your new card are not counted in the calculations. Compare the Total Savings for different cards and you choose the card which will help you to save more.
The tool is designed by Credit-Land.com for informational purposes only and it is not provided or sponsored by any of our partners. The results provided by this tool are hypothetical. All the numbers in the fields are approximate and are based on average values. Compensation from our advertising partners does not influence results provided by this tool. Credit-Land.com is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by its tools.
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The pandemic and the economic crisis that followed it have caused different changes in the credit card market. Banks tightened approval requirements, changed rewards programs and welcome bonus...Continue reading
November 27, 2018
Paying too much in credit card interest is not fun and you will definitely want to look for a way that will help you avoid paying credit card interest while paying off your debt. A balance transfer is that money-saving option to help you. Before we... Continue reading
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