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Cash vs Installment Calculator

Compare total installment cost with a cash price.

Tool inputs stay in your browser · optional AI search sends your query

Good to know: Adds down payment, all monthly payments and entered fees. Difference is total cost, not APR; payment timing and opportunity cost are not modeled.

How to use it (step by step)

  1. 1Fill in the boxes: “Cash price”, “Down payment”, “Monthly installment”, “Number of months”, “Other total fees”. Example numbers are already there so you can see how it works; replace them with yours.
  2. 2The result updates instantly as you type (on a phone it is below the boxes).
  3. 3The bold line is the main answer. Tap Copy next to any value to copy it.

Words to know

APR
Annual Percentage Rate: the yearly interest rate. Philippine cards often show a monthly rate instead; ×12 gives the APR.

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