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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.
The transfer fee is added to the opening transferred balance. APR is divided by 12. The comparison assumes the same fixed monthly payment and no new borrowing.
Editable rates, growth assumptions, prices, fees, and percentages are planning inputs unless the calculator explicitly identifies a current source.
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