INTERACTIVE CALCULATOR
Finance or pay cash
Compare the total price and the hypothetical value of keeping savings.
UNDERSTAND YOUR NUMBERS
How to read your result
A worked example
A €20,000 cash price and €21,500 total financing payments have a €1,500 nominal cost difference, before considering investment returns.
How it is calculated
The model starts with equal capital and monthly budgets. It tracks the difference in funds kept when financing and repayments made over time.
Common mistakes and limitations
Returns are hypothetical. Test zero return and check for balloon payments, fees and linked conditions. No tax is modelled.
Content by Numelva · Methods, sources and limitations ↗