WealthR  ›  Free tools  ›  0% Balance Transfer Tracker
Free UK money tool

Never get stung when your 0% deal ends.

When a 0% balance transfer ends, the leftover balance jumps to ~20–30% APR overnight — and your bank profits when you forget. Add each card to see the days left and the monthly payment to clear it in time, then let WealthR email you before each deadline — at 8 weeks, 2 weeks, and on the day — with a calendar file you can add in one tap.

✓ Email reminders ✓ Add to your calendar ✓ Multiple cards ✓ Unsubscribe any time ✓ UK-built
Just a label so you recognise it.
Purchases and transfers can have different end dates — add two entries if so.
On your statement, app, or approval email.
Lets us work out the monthly payment to clear it in time.
The rate it jumps to — shows what interest you'd avoid.

Your cards

💳

No cards yet. Add your first card above to start tracking its 0% deadline.

🔒 Your cards are stored only in this browser, on this device — nothing is sent to WealthR unless you opt into email reminders below. This is a planning and reminder tool, not financial advice, and it does not recommend specific credit cards.

Get the nudge by email 📩

Add your email and WealthR will remind you as each deadline approaches — at 8 weeks, 2 weeks, and on the day — so you can clear the balance or switch before the rate jumps. Every reminder comes with a calendar file you can add to Apple or Google Calendar in one tap, and the link drops you straight back into your cards. Unsubscribe any time.

Plan ahead

Should you clear it — or ladder it to a new 0%?

If you can't clear the balance before the deadline, the usual alternative is to transfer it to a fresh 0% card and keep paying it down at no interest. That only works if the transfer fees stay below the interest you'd otherwise pay. Put in your numbers below to see how a ladder compares with simply letting the rate revert.

Prefilled from your tracked cards, if any.
A realistic, repeatable amount.
Charged each time you move the balance. ~3% is typical.
How long each new deal lasts.
The rate it jumps to if you do nothing.
Ladder: time to clear
—
Ladder: total transfer fees
—
If left to revert: interest
—
Roughly cheaper by
—

🔒 This planner runs entirely in your browser — nothing is sent anywhere. It's a simplified model (it assumes you keep getting approved for new 0% cards and that fees and deal lengths stay similar) to help you weigh fees against interest. It is not advice and does not recommend specific cards.
How it works

Three steps, then never think about it again.

1
Add each card
Enter the card and its 0% end date (and balance, if you want the payoff maths). Repeat for every card with a promo running.
2
See where you stand
Each card shows days remaining, a colour-coded urgency, and the monthly payment needed to clear the balance before the rate reverts.
3
Get reminded by email
Add your email and we'll nudge you at 8 weeks, 2 weeks, and on the day — each with a one-tap calendar file — so you act in time to clear the balance or move it to a new 0% card.
The why

Why the end date matters more than the deal.

A 0% balance transfer is one of the best tools in UK personal finance — it stops interest dead while you clear a debt. But the value lives entirely in what you do before it ends. The day the promotional period finishes, any remaining balance starts accruing interest at the card's standard rate, typically somewhere around 20–30% APR, with no grace period.

Card issuers do send reminders, but they're easy to miss and the issuer's incentive is the opposite of yours — they earn the revert-rate interest if you forget. A £4,000 balance left on a 24.9% card costs roughly £83 a month in interest for doing nothing. Over a year that's about £1,000 handed over needlessly.

Where to find your 0% end date

It's usually on your monthly statement (often just below the promotional-interest line), in your card's app or online banking under "account details" or "promotional rates", and in your original approval email. If you can't find it, the number on the back of your card will have it. Remember the clock typically starts from when the account opened, not from when you made the transfer.

Two ways to avoid the revert rate

Clear it. Divide the balance by the months remaining — that's the monthly payment to hit zero in time (the tracker does this for you). Or move it. If you can't clear it, transfer the remaining balance to a fresh 0% card before the deadline. Factor in the transfer fee (typically 3–5%) and apply early, as transfers can take up to a couple of weeks to land.

⚖️ Not advice. WealthR is a planning and reminder tool and is not authorised by the Financial Conduct Authority. This page does not recommend specific credit cards. When you're ready to compare 0% deals, use an independent comparison site such as MoneySavingExpert or an FCA-authorised broker, and always check your own eligibility before applying.
Questions

Balance transfer FAQ

What happens when my 0% balance transfer deal ends?
Any remaining balance starts accruing interest at the card's standard rate — typically around 20–30% APR in the UK — from the day the promo ends, with no grace period. That's why people either clear the balance or move it to a new 0% card before the deadline.
Where do I find my 0% end date?
On your monthly statement (often just below the promotional-interest line), in your card's app or online banking under account details / promotional rates, and in your original approval email. The promo clock usually runs from when the account was opened.
Does this need a signup or share my data?
No. The tracker runs entirely in your browser and your card details are saved only on your own device. Email reminders are a separate, optional opt-in.
Are you recommending which card to switch to?
No. This is a reminder and planning tool only. WealthR is not FCA-authorised and nothing here is financial advice. When you're ready to compare deals, use an independent comparison site or an FCA-authorised broker.
What's a balance transfer ladder?
Rolling a remaining balance onto a fresh 0% card before each deal ends, to keep paying no interest while you clear it. It works only if the transfer fees stay below the interest you'd otherwise pay, you keep actually paying it down, and you can still get approved for new cards. The ladder planner above lets you test whether the maths works for your numbers.
What's a typical balance transfer fee?
Usually 1–5% of the amount you move (commonly around 3%), charged once per transfer — so £120 on a £4,000 transfer at 3%. A fee can still beat months of interest at 20–30% APR, but the longest 0% deals often carry the biggest fees, so the right trade-off depends on how long you need and how fast you can repay.
Does a balance transfer hurt my credit score?
A new application is a hard search, which can dip your score for a few months, and a new account lowers the average age of your credit. On the other hand, a higher total limit can cut your overall utilisation, which usually helps. For most people the effect is small and short-lived, but it varies — check eligibility with a soft-search tool before you apply. General info, not advice.

One number is helpful. The full picture is the point.

This tracker is a slice of what WealthR does. The full app stitches your debts, ISAs, SIPPs, property and pensions into one live forecast — with tax, allowances and your real FIRE date on top. Free to try, takes about five minutes.

Try the full app → See all free tools