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Debt inventory & borrowing comparison

List what you owe and compare a 0% transfer with a quoted loan using cost, timing and affordability.

15 minute starting pointFree PDF + ExcelNo signup

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Compare the whole repayment picture.

Enter the same balance for both options and use an actual loan quote. A lower monthly payment can still mean paying more overall.

Showing a fictional example. Replace the numbers with your own.

Balance to repay or transfer

Use the same amount borrowed for both options.

Available monthly repayment budget

After essentials and other required payments.

Balance transfer fee

0% promotion length

Quoted monthly loan payment

Quoted loan term

Additional loan fee paid upfront

Enter only a fee not already included in the quote.

These figures stay in this page. Download them before leaving.

From numbers to a next step

01
List every debt, its rate, minimum payment and due date in the workbook.
02
Use offer terms and a loan quote for the same balance. Check eligibility separately.
03
Compare total cost, payment timing and room in your budget, then read the linked guides.

How this tool works

The transfer fee is added to the balance and also receives 0% for the full promotion. The illustrated monthly amount is an average clearance target; actual contractual minimum payments can be higher. Check each required payment, the fee treatment and rounding.
Loan total = quoted monthly payment × full term + additional upfront fee. The quote must be for the same balance; no loan APR or approval is inferred.
No missed payments, new borrowing, early-repayment charges or post-promotion interest are included. A budget fit does not establish suitability or eligibility.
If keeping up with payments is difficult, the linked debt guides explain where to find free debt support before taking new credit.