The card

Balance APR (%) How you'll pay Monthly payment Months to pay it off

Card minimum formula

At least (floor) % of the balance plus that month's interest

Minimum = the greater of the floor or (% × statement balance + interest). Check your card agreement; "1% + interest, at least $25" and "2% of the balance" are both common.

Your cards

Budget

Total paid toward cards each monthMust cover every card's minimum. The rest goes to one target card at a time.

Now

Balance to move Current card APR (%) What you'll pay each monthSame payment in both cases, so the comparison is fair.

Transfer offer

Transfer fee (%) Intro APR (%) Intro length (months) APR after the intro (%)

Your cards

Target

Target utilization (%)

Convert

I know the Rate (%) Example balanceTo show a month's interest in money.

Runs only on this page. The number is checked in your browser and never sent anywhere, saved, or put in the link. Even so, there's no reason to type a real card number here: use a test number below.

Card number

Test numbers: