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Zero-interest deadline calculator

Include an added transfer fee and test the payment needed before a zero-interest period ends.

Your numbers

The entire balance, including the fee, must receive zero interest for all periods. No purchases, other charges or missed payments. Check the actual contract and later rate. This does not establish overall savings or affordability.

How it works

Add the percentage fee to the transferred balance, then divide by the full payment periods. The displayed payment to clear is rounded up to the next cent; the final payment may be smaller. Remaining balance assumes your planned payments arrive on time.

Example: 2,400 plus a 3% fee is 2,472. Twelve payments of 206 clear it. Twelve payments of 150 leave 672.

Source and background

CSV files open in spreadsheet apps. They contain your inputs and calculated results, not formulas or a connected financial account.