À Vista ou a Prazo: Simulador

Find out if it's worth buying in cash with a discount or paying in installments and investing.

When making a purchase, the question always arises: "Is it better to pay cash with a discount or to pay in installments without interest and let the money grow?" 🤔

With the Cash or Installments: Simulator app, you'll find the exact answer in seconds. Don't rely on intuition or complicated spreadsheets when using your money. Our calculator does the math for you and shows you the smartest financial decision!

Often, the store offers "interest-free installments" that actually hide a discount for those who pay with PIX (Brazilian instant payment system) or cash. On the other hand, if you pay in installments and invest the total amount in investments such as Treasury Selic, CDB (100% of CDI), or even Savings, the monthly return can cover the lack of discount.

How to know which is the best choice? We calculate it!

🚀 HOW DOES IT WORK?

Just provide three simple pieces of information:

The cash purchase price (with the discount applied).

The installment purchase price and the number of installments.

The monthly return rate of your investment (e.g., savings, CDI, Selic).

The app cross-references this information, calculates the return on your money month by month (discounting the installments you pay), and gives you a clear verdict: Which option leaves you with more money in your pocket in the end?

📊 MAIN FEATURES:

Quick Calculation: Find out in seconds if the discount offered by the store is really worth it.

Investment Simulation: Compare with the current profitability of CDI, Selic, or Savings.

Direct Interface: Designed to be used in the middle of the store, quickly and without hassle.

Total Privacy: Works 100% offline. No financial data leaves your phone.

💡 WHO IS THIS APP FOR?

Consumers who want to save money on high-value purchases (cell phones, appliances, cars).

Beginner investors who want to optimize their cash flow.

People who want to avoid hidden interest rates in "interest-free installments."

Stop losing money to retailers. Download the Cash or Installment Simulator now and make financial decisions with math and intelligence!

⚠️ IMPORTANT LEGAL NOTICE:

This application does NOT represent a government entity.

The "Cash or Installment Simulator" is a private and independent tool, created to facilitate financial math calculations. The simulations are based on standard mathematical formulas for compound interest. Any market rates referenced (such as the Selic rate) are public data provided by the Central Bank of Brazil (https://www.bcb.gov.br/), however, the application has no connection with the Federal Government or the Central Bank.