Worksheet / 2026
Balance transfer savings worksheet.
Pick a card, enter your current balance and APR, and get the full breakdown: net saving after fees, required monthly payment, and a month-by-month payoff tape if you want to see the mechanics.
Worksheet / FULL-26
Full Savings Worksheet
Inputs auto-update results · toggle the month-by-month tape below
Net Saving
$2,792
Monthly Payment
$381
over 21 months
Interest Avoided
$3,192
Transfer Fee
$400
5% of $8,000
Plan with Citi Simplicity: pay $381 per month for 21 months. You avoid roughly $3,192 in interest, pay a one-time fee of $400, and net $2,792. Right now you are paying about $153 per month in pure interest.
Reading the result
How to interpret the net saving
Bracket A
Net saving under $100
Probably not worth the effort of applying and managing a new card. Consider paying down the existing card aggressively, or wait until the balance is meaningfully larger.
Bracket B
Net saving $100 to $500
Worth doing, especially if the required monthly payment is comfortable. Set up the transfer and automate the payment. The saving covers the fee and leaves you ahead.
Bracket C
Net saving over $500
Move now. Every month you wait costs you the monthly-interest figure shown in the worksheet. Apply for the card, transfer the balance, and begin the payoff plan immediately.
Next Step
Compare all the cards
Not sure which card to plug in? Open the full comparison ledger with intro windows, fees, FICO ranges, and post-intro APRs.