Model the promo window
Enter what you owe and how much you can pay. Factor transfer fees and what happens when the intro rate ends so you’re not surprised later.
Balance transfer calculator
Promo APRs expire. Fees add up. DebtSelector helps you test whether a transfer actually saves money for your balances and payoff timeline.
Compare to staying put
Sometimes paying down high-APR cards with extra cash beats a transfer. Run both paths before you apply.
Next step
Open the optimizer, add your cards, and try a consolidation or lump-sum scenario that matches the cash you’d put toward a transfer fee and payments.
Related
Ready to run your numbers?
Free to start. Unlock the full report for $2.99 — access lasts 10 days on this device.