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Credit & Debt · Consolidate & Transfer

Balance Transfer Comparison Calculator

Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.

  • Free to use here · embed on the Pro plan
  • 5 inputs · 5 results
  • English & Spanish

Try the Balance Transfer Comparison Calculator

See if a balance transfer saves money — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Balance Transfer Comparison calculator works out

The Balance Transfer Comparison Calculator is a free, embeddable calculator from CalcFunnel. Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.

You enter 5 inputs: balance, current APR (%), monthly payment, new card APR (%) and transfer fee (%).

It returns net savings, transfer fee, cost to keep current, cost to transfer and payoff (Transfer).

Built for credit counselors and consolidation lenders. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Credit & Debt category.

Results it shows

  1. 01Net Savings
  2. 02Transfer Fee
  3. 03Cost to Keep Current
  4. 04Cost to Transfer
  5. 05Payoff (Transfer)

The first figure — net savings — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Current Card

Balance
The balance you would transfer.
Current APR (%)
The interest rate on your current card.
Monthly Payment
The fixed amount you pay each month under either option.

Transfer Offer

New Card APR (%)
The ongoing interest rate on the card you would transfer to.
Transfer Fee (%)
The one-time fee charged on the transferred balance, typically 3%-5%.

For your website

Embed this calculator on your website

Put the Balance Transfer Comparison Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Balance Transfer Comparison calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Balance Transfer Comparison Calculator calculate?
Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee. It returns net savings, transfer fee, cost to keep current, cost to transfer and payoff (Transfer).
Q.02What information do I need to use the Balance Transfer Comparison Calculator?
You enter 5 inputs: balance, current APR (%), monthly payment, new card APR (%) and transfer fee (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Balance” mean in the Balance Transfer Comparison Calculator?
The balance you would transfer.
Q.04What does “Current APR (%)” mean in the Balance Transfer Comparison Calculator?
The interest rate on your current card.
Q.05Is the Balance Transfer Comparison Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Credit & Debt category. Compare plans.
Q.06Can I embed the Balance Transfer Comparison Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Balance Transfer Comparison Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Balance Transfer Comparison results financial advice?
No. Estimates only. Assumes a fixed payment with no new charges and the new rate applied to the whole balance for the full payoff. Promotional 0% periods are not modeled here. Confirm terms with your card issuer.

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Your website does the math. You get the lead.

The Balance Transfer Comparison Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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