Balance Transfer Optimizer

Evaluate if moving your debt to a new card actually saves you money after paying the transfer fee and GST.

＋Equis / Debt Migration Audit

FORM BT · REV. 01 · MMXXVI

Target Card

Select the card you are transferring toexpand_more

Debt Amount (₹)

Balance to transfer

₹

Current APR (%)

Standard rate (e.g. 42%)

New APR (%)

BT promotional rate

BT Fee (%)

Transfer fee (e.g. 2%)

Payoff Time

Expected months

RECOMMENDED

Current Path Cost₹1,28,533

Transfer Path Cost₹1,14,458

Transfer Fee (+GST)₹2,360

Net Savings+₹14,075

check_circleThe lower interest rate outweighs the upfront transfer fee. Proceed with the balance transfer.