BALANCE TRANSFERS THE MATH MOST PEOPLE SKIP 3% FEE ON $10K = $300 UPFRONT COST PROMO APR EXPIRES FASTER THAN YOU THINK BREAK-EVEN DATE KNOW IT BEFORE YOU TRANSFER 0% FOR 18 MONTHS FREE MONEY IF YOU'RE DISCIPLINED BALANCE TRANSFERS THE MATH MOST PEOPLE SKIP 3% FEE ON $10K = $300 UPFRONT COST PROMO APR EXPIRES FASTER THAN YOU THINK BREAK-EVEN DATE KNOW IT BEFORE YOU TRANSFER 0% FOR 18 MONTHS FREE MONEY IF YOU'RE DISCIPLINED
MaxDoesFinance / Resources / Balance Transfer Analyzer
MaxDoesFinance · Free Tool

BALANCE
TRANSFER
ANALYZER

FEES · APR · BREAK-EVEN DATE
FREE · NO SIGNUP REQUIRED
3 SCENARIOS COMPARED
"Most balance transfers
aren't worth it. Know before you move."
How it works: Enter your debt and the transfer offer. We'll run all three scenarios and give you a plain-English verdict.
Your Current Debt
$
Balance you'd transfer
%
Your card's regular rate
$
What you pay each month now
The Transfer Offer
%
Typically 3–5%
%
Usually 0% during promo
mo
Common: 12, 15, 18, 21, 24
%
Rate after promo expires
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