Calculadora de Ahorro por Transferencia de Saldo
Calcula el ahorro al transferir el saldo de tu tarjeta a una con menor tasa.
Net Savings (vs Keeping Card)
$2,640
Net Savings (vs Keeping Card) vs Intro 0% APR Period
Fórmula
Balance Transfer Strategy
A balance transfer moves high-rate credit card debt to a card with 0% introductory APR.
Cost-Benefit Analysis
Interest saved = Balance x Monthly Rate x Intro Months
Transfer fee = Balance x Fee Percentage (typically 3-5%)
Net savings = Interest Saved - Transfer Fee
Key Rules
Ejemplo Resuelto
$8,000 at 24% APR, transfer to 0% card with 3% fee for 18 months, paying $500/month.
- 01Transfer fee = $8,000 x 3% = $240
- 02Interest saved = $8,000 x 2% x 18 = $2,880 (approximate)
- 03Net savings = $2,880 - $240 = $2,640
- 04Balance after 18 months = $8,240 - ($500 x 18) = $0 (paid off in ~17 months)
Preguntas Frecuentes
Are balance transfers worth the fee?
Usually yes. If your current rate is above 15% and you can pay off a significant portion during the intro period, the 3-5% fee is far less than the interest you would have paid.
What happens after the intro period?
Any remaining balance begins accruing interest at the card regular APR, which is often 18-25%. Plan to pay off the full amount before the intro period ends.
Can I do multiple balance transfers?
Yes, but repeatedly opening new cards can impact your credit score. Each application triggers a hard inquiry. This strategy works best as a one-time move to eliminate high-rate debt.
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