Zero-Percent Arbitrage Calculator

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If you're considering whether or not to use a credit-card zero-percent offer and invest the proceeds at a higher savings rate, this calculator can help you estimate your likely profit.

This calculator assumes the following:

1. Monthly debt/minimum payments are not taken from the initial balance borrowed.
2. Monthly debt/minimum payments are applied to the lowest-rate balances first.
3. The arbitrage will be ended one month short of the offer's full term; e.g., a 12-month offer would be closed out in the 11th month.
4. Interest compounds monthly.

Initial Balance to Be Arbitraged:	$
Transaction Fees, If Any:	$
Term of Offer (in Months):
Investment Rate (APR):	%
Your Federal Tax Rate:	%
Your State Tax Rate: (If interest is taxable at state level)	%
Interest Rate Applied to Transaction Fee (APR): (If applicable)	%