Balance Transfer Calculator

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Model multiple balances, 0% intro periods, transfer fees, and payoff schedules. Compare Keep current cards vs Transfer to new card.

Existing Credit Card Balances

Amount (£)	APR % (p.a.)

Tip: Add each existing card balance with its current purchase APR.

Your Monthly Payment Budget (£)

Minimum Payment (%) Current Cards

Minimum Payment (£) Current Cards

Payment Strategy (Current Cards)

0% Intro Period (Months)

Transfer Fee % (of amount transferred)

APR After Intro (%)

Minimum Payment (%) New Card

Minimum Payment (£) New Card

Keep current cards – months to payoff

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Keep current cards – total interest

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Transfer – months to payoff

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Transfer – transfer fee

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Transfer – total interest

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Savings (cost & time)

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Month	Balance start (£)	Interest (£)	Payment (£)	Fees (£)	Balance end (£)

Find the right Credit Card for you

Does not impact your credit score

Find out which credit cards you’re eligible for

34.4% Representative APR (variable)

Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.