À Vista ou a Prazo?

Find out in seconds whether it's better to pay in cash or in installments.

Cash or Installments? is a financial simulator to find out if it's more worthwhile to make a purchase in cash or to buy in installments.

Compare in a few seconds the cash payment, interest-free installments, installments with a down payment, financing with interest, and even decreasing installments in the SAC model.

The app calculates the opportunity cost of your money considering CDI, Selic, Savings, or a personalized rate. This way, you understand if it's better to pay in cash or let the money accrue interest while paying in installments.

How it works:

1. Enter the purchase amount
2. Choose the payment method
3. Define installments, down payment, or interest
4. Select CDI, Selic, Savings, or a custom rate
5. See which option generates the best financial result

💳 Simulate:

• Cash payment with discount
• Installment purchase without interest
• Down payment + installments
• Financing with fixed installments
• Financing with decreasing installments (SAC)
• Return on invested money

📊 Features:

• Cash vs. installment simulator
• Opportunity cost calculation
• Automatic CDI, Selic, and Savings rates
• Custom monthly or annual rate
• Simulation with or without Income Tax
• Comparative graph of financial flow
• Light, dark, or automatic theme
• No registration, login, or collection of personal data

✅ Ideal for:

• Comparing cash and installment discounts
• Planning credit card purchases
• Evaluating interest, installments, and financing
• Make a better decision before buying

🔒 Warning:

The "Cash or Installments?" tool is a financial simulation. The results are estimates based on the information provided by the user and do not represent investment advice, financial consulting, or a guarantee of results.