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In a nutshell
Plan a UK credit card balance transfer: fee, promotional window, monthly payment needed, leftover balance and interest risk after the offer ends.
A 0% offer still needs a finish line.
This planner turns a balance-transfer offer into a dated repayment plan. It includes the transfer fee, promotional window, monthly payment needed and the balance that could be left when the standard APR returns.
The useful question is not whether the headline rate looks good. It is whether the balance can be cleared before expiry without reusing the old card or missing priority bills.
Decision rules
When a balance transfer is doing a useful job
The fee is smaller than the interest saved Do not focus on the headline 0%. The transfer fee is part of the cost and is usually added to the balance.
The old card is not reused If the old card fills again, the transfer has converted one debt into two debts.
The balance is clear before expiry If the monthly payment needed is impossible, treat the offer as breathing room, not a solution.
About this calculator
Last reviewed: June 2026. Reviewed by the UK Tax Drag editorial team against current HMRC guidance and the 2026/27 UK tax year.
Verified against: MoneyHelper - transferring your credit card balance (checked on the last review date above).
Source: calculator JavaScript is unminified at /assets/ — see Open methodology for how to verify the math. Updates tracked in the changelog .
Disclaimer: This tool gives a guideline estimate using current published UK rates and thresholds. It is general information, not personal financial, tax, or legal advice. Verify the figures against your own circumstances, the latest gov.uk guidance, and a qualified adviser before acting. UK Tax Drag accepts no liability for decisions made on the basis of these calculations.
Every page is reviewed against the editorial standards, written from primary sources, sourced openly, and corrected publicly. No affiliate revenue. No sponsored content. No paid placements.