0% APR Balance Transfer Arbitrage Engine
Interest Savings Calculator
Calculate the exact dollars you will pocket by transferring high-interest revolving credit card debt to a 0% Intro APR card. See your net savings after all transfer fees.
Current Debt Profile
Enter details about the credit card balance you wish to transfer
$6,000
$
24.99% APR
%
$200/mo
$
Target 0% Intro APR Terms
Adjust the promotional intro duration and transfer fee
18 Months
3% ($180)
Net Savings HorizonNET POSITIVE
Net Interest Saved
$3,332
After paying $180 one-time transfer fee
Target 0% Payoff Payment
$343/mo
Pays off 100% of balance within your 18-month 0% intro window
Old Card Interest
$3,512
Time Saved
30 Months
Underwriter Advice
Most 0% intro cards require a credit score of 670+ for approval. If your score is currently in the fair range (580–660), a fixed personal consolidation loan offers competitive rates without the strict 0% expiration deadline.
⚠️ 0% APR Intro Window Rule: To maximize savings, you must pay off the entire transferred balance before the 0% introductory period ends. Any remaining balance after the promotional period will begin accruing interest at the card's standard ongoing variable APR.