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Balance Transfer Math Calculator

Model balances, limits, interest, dates, and payment scenarios. Your entries remain on this device unless you deliberately export or share them.

Saved only on this deviceNot saved yet

Balance transferredTransfer fee (%)Promotional APR (%)Promotional months

Promo-period costEnter your numbers

Transfer fee plus simple promotional-period interest; post-promotional interest is excluded.

Optional follow-up reminderShown only in your device workspace. Open the installed app to receive enabled reminders.

Educational organization and calculation tool only. Verify inputs, rules, deadlines, and outputs before acting. FreeCreditBot is not a law firm, lender, credit bureau, or credit repair company.