Credit card payoff tool
Balance Transfer Rotation Planner
Estimate whether a sequence of introductory balance-transfer offers could help you pay down debt before promotional rates expire.
Important: Approval, limits, fees, transfer timing, and eligible balances vary by issuer. This educational estimate is not a recommendation to open or rotate accounts.
If a card cannot cover the full transfer
- Update the available-credit estimate if your approved limit is different.
- Use “Add card” to model another eligible offer.
- Increase the total monthly payment or leave the uncovered amount on the existing card—the calculator includes its entered APR.
- Compare projected interest and fees before applying.
Ready to research offers?
Compare promotional periods, transfer fees, annual fees, and ongoing APRs. Never choose a card from the promotional rate alone.
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