Debt & Credit
Compare current-card interest with a promotional transfer including fee and post-promo APR.
Changing currency affects display formatting only. FinTrex does not convert exchange rates or mix currencies inside a calculation.
FinTrex result
Balance Transfer Savings
Modeled transfer saving
$2,153
Current-card interest
$2,443
Transfer interest + fee
$290
What changes this most?
A low promotional rate only creates a saving if the transfer fee and any post-promotion interest remain below the avoided current-card interest.
Sensitivity check
A roughly 10% move in balance to transfer changes the modeled headline result by up to $517 in this setup.
Promotional terms, fees, eligibility and post-promotion APRs vary. This model does not include new purchases or missed-payment consequences.
Use the number fields, sliders, or a quick preset. You can fully clear a field while editing.
Formula
The same balance and monthly payment are simulated under the current APR and under a transfer with an upfront fee, promotional APR and post-promotion APR.
Adjust one assumption at a time to understand which inputs have the greatest effect. Compare several realistic scenarios rather than relying on a single projection.
Default assumptions are maintained by FinTrex and may not reflect current products or rates available to you. Review every input before using the estimate.
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