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Balance transfer calculator

Work out the 0% balance transfer term that would suit you best.

In this article
What to look for in a 0% balance transfer credit card Use our balance transfer calculator
Do you need to go for the longest-lasting deals? Get top money-saving tips from Which?

What to look for in a 0% balance transfer credit card

When searching for a 0% balance transfer credit card you should look at the length of the 0% period and the size of the balance transfer fee.

Some cards don’t charge a balance transfer fee but others charge as much as 4% for each balance transfer you request, so if you’ve got multiple cards you want to clear, the costs can add up.

Use our balance transfer calculator

A simple way to find the best deal for you is to take the total amount you have on your credit cards and store cards and divide this by what you can afford to repay each month.

The answer will give you your ideal 0% period, which you can use to help you shop for a card on Which? Money Compare with the smallest balance transfer fee. 

Use the calculator below to quickly find the best 0% balance transfer term for you.

Do you need to go for the longest-lasting deals?

Typically, the longer the deal lasts, the higher the fee will be. This means it can be worth avoiding the longest deals if you feel confident that you'll be able to repay the balance within a shorter time frame.

Find out more: how 0% balance transfer credit cards work

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