Credit
Card Balance Transfer Calculator
Whether moving card debt to a lower-rate card or a personal loan is worth it.
₹1.5 L
₹1,000₹1,50,000₹50 L
0.53.5%5
013%45
312 months60
01.5%5
Net saving
₹41,127
- Cost on current card
- ₹54,553
- Interest on new facility
- ₹10,771
- Transfer fee incl. GST
- ₹2,655
- New monthly EMI
- ₹13,398
What this means.Transferring saves ₹41,127 — but only if you stop spending on the old card. Most people transfer, then rebuild the balance, and end up worse off.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
Your data stays with you
This calculator runs entirely in your browser. Your income, loan amount, salary and any other figure you type is never transmitted to Credsir or anyone else. Nothing is stored, logged or shared.