0% APR Promo Juggler
Two or three 0% balance transfers with different expiry dates is a juggling act — miss one deadline and the interest lands hard. Enter each promo and your total monthly budget: you'll get one payment plan that attacks the nearest expiry first and tells you exactly which promos clear in time.
Your promos
How the plan is built
- Priority order: soonest expiry first; ties broken by higher post-promo APR. This is the order that minimizes deadline misses — it's the same logic scheduling theory uses for deadlines.
- Month by month: your whole budget funnels to the top-priority promo until it's gone, then everything rolls to the next. No interest accrues before a promo's expiry; after expiry, the remainder accrues at its post-promo APR.
- The minimum-budget number looks at each expiry deadline in turn: all balances due by that deadline, divided by the months left. The largest of those figures is the smallest fixed monthly amount that clears everything on time.
Frequently asked questions
What's the best payoff order for multiple 0% promos?
Pay the promo expiring soonest first; when two expire around the same time, prioritize the higher post-promo APR. This planner follows that order automatically: it funnels your monthly budget to the nearest expiry, then moves the freed-up money to the next one.
What is deferred (retroactive) interest?
Some store and medical credit cards charge interest on the original purchase amount all the way back to day one if any balance remains when the promo ends — even $1 left over can trigger hundreds in back-interest. This planner's post-expiry estimate assumes interest only on the remaining balance, so check your card's terms: if it has deferred interest, treat the expiry as a hard deadline.
Do I still owe minimum payments during a 0% promo?
Yes — nearly all 0% offers require at least the minimum payment each month, and missing one can void the promo and trigger penalty APRs. This planner doesn't model minimums, so make sure every promo gets at least its minimum on top of this plan.
What if one of my promos already expired?
Enter it with the current month as the expiry. The planner treats it as regular debt at its post-promo APR and gives it top priority, since it's already accruing interest.
How is the "minimum budget to clear everything" number calculated?
Promos are sorted by expiry; for each deadline, the balances of every promo expiring by then are added up and divided by the months to that deadline. The largest of those figures is the smallest fixed monthly budget that can clear every promo on time.