Bandingkan cicilan dengan tunai mempertimbangkan biaya peluang.
Membayar dengan cicilan sering menyembunyikan bunga di dalam harga total. Alat ini menghitung suku bunga bulanan implisit dan membandingkannya dengan apa yang akan dihasilkan uang Anda jika membayar tunai dan menginvestasikan sisanya.
Saat Anda memasukkan tingkat pengembalian investasi, alat menghitung nilai sekarang dari cicilan dan menunjukkan opsi mana yang lebih murah secara riil — membayar sekarang atau tetap menginvestasikan uang sambil membayar bulanan.
Perhitungan mengasumsikan cicilan sama rata dan pengembalian investasi stabil. Biaya, cashback kartu kredit, dan risiko gagal bayar tidak dimodelkan.
Total cicilan = PMT × n. Diskon tunai d% berarti Anda membayar Harga × (1 − d/100). Suku bunga tahunan riil i menyelesaikan: PMT × ((1 − (1+i)^−n) / i) = Harga × (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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