Can you pay it off
before the 0% ends?
Enter your balance and promo offer details. We'll tell you the exact monthly payment required to clear the debt before the promotional APR expires — and what it costs you if you miss the deadline.
Your 0% offer
Your current plan
Required monthly payment to clear before deadline
$333/mo
Over 15 months · $5,000 balance
Missing the deadline costs more than you think
When a 0% promo period ends, you're charged the regular APR on whatever remains — not retroactively, but going forward. On a $3,000 balance at 24%, that's $720/year in interest you didn't plan for.
Set the payment before the transfer
Calculate your required monthly payment before you move the balance. Then automate it. The single biggest mistake with balance transfers is treating the 0% period as breathing room rather than a deadline.
New purchases usually don't get 0%
The promo rate applies only to transferred balances — not new purchases. New charges may have no grace period while you're carrying a balance. Keep the card unused until the transferred balance is cleared.
Every month you wait costs you interest. Start your free payoff plan today.
Add your cards in 2 minutes, pick a strategy, and get a payoff plan built on the same daily-interest math your bank uses.
- No sign-up required
- No bank login
- 100% Private