Compara cuotas contra efectivo considerando costo de oportunidad.
Pagar en cuotas a menudo oculta un cargo de interés. Esta herramienta calcula la tasa mensual implícita y la compara con lo que su dinero ganaría si pagara al contado.
Al ingresar una tasa de retorno, la herramienta calcula el valor presente de las cuotas y muestra qué opción cuesta menos en términos reales.
El cálculo supone cuotas iguales y retorno constante. Comisiones, cashback y riesgo de impago no se modelan.
Total cuotas = PMT × n. Un descuento al contado de d% significa pagar Precio × (1 − d/100). La tasa real anual i resuelve: PMT × ((1 − (1+i)^−n) / i) = Precio × (1 − d/100).
When you can invest the money you would spend upfront and earn a return higher than the interest charged on the installments. For example, if you can get 1% per month on an investment and the installment plan charges 0.5% per month, your money grows faster than the cost of financing.
Even when advertised as "interest-free", installment plans often include a hidden markup. The real cost is the difference between the cash price (with any available discount) and the total of all installments. This tool calculates that difference for you.
A cash discount (often 5–15% in Brazil) changes the math significantly. Without a discount, interest-free installments are usually better because you keep your money invested. With a cash discount, paying upfront may save more than you would earn from investments.
Use the monthly return of a low-risk investment you actually have access to. In Brazil, the Selic rate divided by 12 is a good starting point — for example, if the Selic is 13.75% per year, that is roughly 1.08% per month. CDBs and Tesouro Selic typically track this rate.
No. The comparison uses nominal values. In practice, inflation slightly favors installment payments because future installments are paid with money that has lost some purchasing power. For short-term purchases (up to 12 months), this effect is usually small.
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