Complete Guide to Auto Loans in 2026
Rates, terms, refinancing and how to get the best deal.
Read guide →Balance Transfer Calculator
Intro APR and transfer-fee math.
↔️ Balance Transfer Calculator
Transfer fee
Net savings vs. staying
Assumes the rate reverts to your current APR after the intro period and payments stay constant.
How to Use
- Enter your balance, current APR and monthly payment.
- Enter the card's intro APR, intro period and transfer fee.
- See net savings after the fee.
Calculation Method
We simulate month by month: during the intro period interest accrues at the intro APR, then at your current APR. The one-time transfer fee = balance × fee % is added. Net savings = interest if you stay − (interest after transfer + fee).
Examples
$8,000, 0% for 18 months, 3% fee, $400/mo
A $240 fee can still net hundreds in savings versus a 23% APR card.
Frequently Asked Questions
Often yes if you can repay most of the balance during a low or 0% intro period — the interest saved usually exceeds the 3–5% fee.
Any remaining balance reverts to the standard APR. This tool assumes it reverts to your current APR.
It adds an inquiry and a new account, but lowering your overall utilization can be positive over time.
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Read guide →Disclaimer
Calculations are estimates based on the information you provide. Actual loan terms, rates, and payments vary by lender, credit score, and other factors. SmartLoanCalcs is not a lender and this is not a loan offer. We are not responsible for decisions made based on these calculations — consider consulting a licensed lender or financial advisor.
Last updated: May 24, 2026