Free Calculator

Balance Transfer Savings Calculator

Is that balance transfer offer actually worth it? Compare transfer fee vs interest saved — instantly.

Current Card

₹1.50 L
50002000000
40% p.a.
1248
₹15,000
1000200000

Balance Transfer Offer

1.5% (₹2,250)
05
0% p.a. (0.00%/mo)
020
6 months
124
40% p.a.
1248

Watch out for

  • Transfer fee can negate savings — always calculate net
  • Post-promo rate is often higher than your current card
  • Missing a payment can void the promo rate instantly
  • New purchases on BT card often attract full interest from day 1

Transfer Fee

₹2,250

1.5% of balance

Net Savings

₹27,370

after fee

Breakeven

1 months

to recoup fee

Worth It!

Transfer

Transfer saves you ₹27,370 net

The transfer fee of ₹2,250 is recovered in 1 month. Make sure you pay off the balance before the 6-month promo ends.

MetricKeep Current CardBalance TransferDifference
Upfront Cost₹0₹2,250−₹2,250
Balance to Repay₹1.50 L₹1.52 L+₹2,250
Months to Pay Off13 mo11 mo−2 mo
Total Interest₹35,541₹5,921−₹29,620
Net Total Cost₹1.86 L₹1.58 LSave ₹27,370

Tackle debt as a team

Coupl helps couples set shared debt payoff goals, track spending, and build healthy financial habits — matching cards, zero balance.