Balance Transfer Comparison Calculator
Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.
Home & lending
Wealth & business
Credit & Debt · Consolidate & Transfer
Consolidate to a lower payment, invest the monthly savings, and see what that difference could grow to.
See what investing your savings could earn — results update as you type.
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Estimates only — not a loan offer or financial advice.
Put this calculator on your websiteWhat this calculator does
The Consolidation Loan Investment Calculator is a free, embeddable calculator from CalcFunnel. Consolidate to a lower payment, invest the monthly savings, and see what that difference could grow to.
You enter 5 inputs: current total monthly payment, amount to consolidate, consolidation rate (%), consolidation term (years) and investment return (%).
It returns investment value, monthly savings, new loan payment, total invested and total investment growth.
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.
The first figure — investment value — is the headline result.
Inputs
Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.
FAQ
Still stuck? Ask the team — we reply within one business day.
Compare keeping a balance on your current card against transferring it to a lower-rate card with a fee.
Model a 0% or low intro rate that later reverts, to see if you clear the balance before the promo ends.
Find the lowest-interest way to distribute balances across your cards within their credit limits.
Compare your current debts against rolling them into a single personal consolidation loan.
See how adding an extra amount each month shortens your payoff and slashes the interest you pay.
See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn.
The Consolidation Loan Investment Calculator is one of 188 calculators you can brand and embed with one line of code.
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Estimates only — not a loan offer.
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