0% balance-transfer tracker
Most apps track the balance. GlidePath tracks the deadline.
A 0% balance transfer can create breathing room. The catch is the promo end date. GlidePath Money keeps the monthly-to-clear, post-promo APR, and payoff pace visible so the deadline does not hide behind a calm statement.
From $129, buy once · no bank login required · 30-day refund · Windows 10/11 · Linux · Mac early access
The number the minimum payment does not answer.
The card can be current while the promo payoff is behind. The useful question is: what monthly amount would get this to zero before the 0% ends?
GlidePath does that math for every active balance transfer, then shows the result next to the promo end date and post-promo APR.
Fifteen seconds
See the payoff before the APR wakes up.
The whole story of a balance transfer in one short loop: the deadline, the post-promo rate waiting behind it, and the monthly pace that clears the balance first. This is the math the tracker keeps in front of you.
Fictional demo data — and below the clip, the same screen as a real screenshot you can inspect callout by callout.
What the tracker shows.
Fictional demo data, real app surface. No bank connection required.
- Schedule status See whether the payoff pace is ahead, steady, or falling behind before the promo is almost over.
- Promo end date The exact date the 0% period ends. Bank feeds usually track balances, not this deadline.
- Monthly to clear The monthly amount that would bring the promo balance to zero before the rate changes.
- Post-promo APR The rate that applies after the promo. It belongs next to the deadline, not buried in paperwork.
- Paydown vs. time Compare how much of the balance is paid down with how much of the promo window is gone.
Why a dedicated tracker helps
The balance is only half the story.
- The date matters. A $5,000 balance with 18 months left is not the same as a $5,000 balance with 60 days left.
- The APR matters. The post-promo rate belongs in the same view as the promo deadline.
- The pace matters. Paying less than monthly-to-clear may leave a balance after the promo ends.
- The next use matters. Once the transfer is cleared, GlidePath helps you see where that freed-up payment could go next.
Try it with your next monthly close.
Track the transfer, snapshot the balance, and see whether the payoff pace is still realistic.
General education, not financial advice. For decisions about debt, credit, or taxes, talk with a qualified professional.