Tools · Calculator
Evaluate whether a balance transfer promo helps you. Compare simple installment or minimum percentage plans, including offers quoted as a one-time fee, then see the potential profit or loss if the deferred cash is invested elsewhere.
Enter the charge for the whole plan. A 1% fee on RM1,000 adds RM10 to what you repay.
Projected Net P/L After 12 Months
+RM 578.29
+5.78% of the transfer amount after paying all installments.
Total Paid
10,000.00
Total interest / fee
0.00
Estimated EIR
0.00%
Installment Amt
833.33
Net P/L
578.29
| Term | Installment | Total Paid | BT Balance | Investment Balance | Net P/L |
|---|---|---|---|---|---|
| Month 1 | RM 833.33 | RM 833.33 | RM 9,166.67 | RM 9,250.34 | +RM 83.67 |
| Month 2 | RM 833.33 | RM 1,666.67 | RM 8,333.33 | RM 8,494.40 | +RM 161.07 |
| Month 3 | RM 833.33 | RM 2,500.00 | RM 7,500.00 | RM 7,732.14 | +RM 232.14 |
| Month 4 | RM 833.33 | RM 3,333.33 | RM 6,666.67 | RM 6,963.50 | +RM 296.84 |
| Month 5 | RM 833.33 | RM 4,166.67 | RM 5,833.33 | RM 6,188.43 | +RM 355.10 |
| Month 6 | RM 833.33 | RM 5,000.00 | RM 5,000.00 | RM 5,406.88 | +RM 406.88 |
| Month 7 | RM 833.33 | RM 5,833.33 | RM 4,166.67 | RM 4,618.78 | +RM 452.12 |
| Month 8 | RM 833.33 | RM 6,666.67 | RM 3,333.33 | RM 3,824.10 | +RM 490.76 |
| Month 9 | RM 833.33 | RM 7,500.00 | RM 2,500.00 | RM 3,022.76 | +RM 522.76 |
| Month 10 | RM 833.33 | RM 8,333.33 | RM 1,666.67 | RM 2,214.72 | +RM 548.05 |
| Month 11 | RM 833.33 | RM 9,166.67 | RM 833.33 | RM 1,399.91 | +RM 566.58 |
| Month 12 | RM 833.33 | RM 10,000.00 | RM 0.00 | RM 578.29 | +RM 578.29 |
This assumes the interest or fee is charged at the start. It also assumes constant monthly investment returns and payments at the end of each month. Results can differ because of taxes, fees and changing returns.
You can read how I personally layer balance transfer as an effective low interest loan for investment at this guide.
The calculator applies this charge to the full transfer amount, then spreads it across the term. A fee works the same way here. For other loans, use the fee calculator.
This return depends on where you deploy the deferred cash, your own risk tolerance, and your time horizon. It can range from lower risk options such as high yield savings, fixed deposits, and money market funds, to higher risk options such as stocks and ETFs.
Most banks use simple installments where each monthly payment is equal. Some banks, such as Hong Leong Bank, use a minimum payment structure. It can be slightly more tedious to track, but often keeps more capital invested for longer.