Balance Transfer Calculator Modelo Essentials
Compare the cost of keeping current credit card debt versus transferring to a lower-rate card. Factor in transfer fees, promotional rates, and payoff timelines.
O Que Está Incluído
- Dashboard with transfer savings summary showing total interest saved, fee cost, and net benefit
- Current vs. transfer setup inputs for entering existing APR, new promotional rate, and balance amount
- Comparison schedule with monthly costs for both scenarios displayed side by side over the payoff term
- Transfer fee calculations that factor in the percentage-based fee and subtract it from total savings
- Break-even timeline showing the exact month when transfer savings exceed the upfront fee cost
- Works in Microsoft Excel, Google Sheets, and LibreOffice Calc with no setup required
Pré-visualização
Veja o que tem dentro desta planilha
Como Usar Esta Planilha de Balance Transfer Calculator
Enter current card details
Input your existing card balance, APR, and monthly payment amount on the setup sheet.
Enter transfer terms
Add the promotional rate, promotional period length, regular rate after promo, and transfer fee percentage.
Review the comparison
The schedule shows monthly costs side by side for keeping the current card vs transferring to the new one.
Check the break-even point
The dashboard shows the exact month when transfer savings exceed the fee, so you can see if the transfer is worthwhile.
Criadas com Claude AI. Aperfeiçoadas por nós.
Usamos Claude AI para criar cada planilha, após uma pesquisa aprofundada. Depois, nossa equipe entra em ação. Refinamos o layout, testamos exaustivamente cada fórmula, corrigimos casos extremos e polimos o design até que pareça algo que nós mesmos usaríamos. A IA nos leva 80% do caminho. Os últimos 20% são puro julgamento humano.
Perguntas Frequentes
How is the transfer fee calculated?
The calculator multiplies your balance by the transfer fee percentage (typically 3% to 5%) and adds it to the transferred balance or shows it as an upfront cost.
What happens after the promotional rate ends?
The schedule shows payments at the regular rate after the promotional period expires. Total interest includes both the promo and post-promo periods.
Does it compare total cost over the full payoff?
Yes. The comparison runs until the balance is fully paid off, showing total interest and total payments for both the current card and the transfer option.
Can I compare multiple transfer offers?
The template compares one transfer offer against your current card. Duplicate the sheet to compare additional offers side by side.
Como abrir no Google Sheets?
Envie o arquivo .xlsx para o Google Drive e abra com o Google Sheets. Todas as fórmulas e formatações serão preservadas.
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