'I have a balance of £4400 I want to transfer'
Balance Transfer card
There's no balance transfer fee - so divide £4400 by 20 months = £220
You'll therefore need to pay £220 per month to pay off the card in full before the 20 month 0% offer period ends.
Longer Balance Transfer card
The balance transfer fee is 2.75% - so divide £4400 by 100, then times by 2.75. For £4400, the fee will be £121.
The total amount you will owe with this fee is £4521
Divide £4521 by 28 months = £161.46
You'll therefore need to pay £161.46 per month to pay off the card in full before the 28 month 0% offer period ends.