Cash or Installments? is a financial simulator that helps you make smarter decisions when buying.

When a product offers a cash discount or interest-free installments, which option is really more worthwhile?
Does the interest earned in installments in a financial investment outweigh the cash discount?

This app helps you answer these questions by automatically calculating the opportunity cost of your money based on the return on your investment.

In a few seconds you'll find out whether you should pay cash or in installments, with a clear and easy-to-understand result.

How it works:

1. Enter the original price of the product
2. Enter the price with the cash discount
3. Choose the number of installments
4. Select or enter the interest rate of your money

The application calculates and shows which option generates the greater financial result at the end of the period.

Features:
• Instant simulation of cash vs. installment payments
• Calculation of the opportunity cost of money
• Rates based on real indicators such as CDI, Selic, and Savings
• Option for personalized monthly or annual rates
• Comparative graph of cash flow over time
• Simple and quick-to-use interface
• No registration, login, or collection of personal data

Ideal for:

• Deciding on everyday purchases
• Comparing cash discounts vs. installment payments
• Better understanding the financial impact of your decisions

Privacy:
This application is only a simulation tool and support for financial calculations. The results presented are estimates based on the information provided by the user.

The app does not provide financial recommendations, investment advice, or financial counseling, does not require registration, and does not store personal information.