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The Interest Saver Calculator

What's the cheapest way to borrow this?

Enter what you're buying and what you've got to work with. The optimizer finds the best mix of cash, loan and 0% cards for you — no need to work it out yourself.

The purchase

Borrowing available to you

Personal Loan
0% Purchase Card
0% Money Transfer Card
Balance Transfer Card

Used to move a card's balance onto a fresh 0% deal right as its own promo is about to end — only if you can get approved for one when you need it, which isn't guaranteed.

Optimized for the least total interest overall. Assumes minimum card payments of 2% of the balance, and promo APRs revert fully if not cleared in time.

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