Cash vs Finance Calculator

Cash vs Finance Calculator

Amortize the price at the financing rate to reveal the extra interest you pay compared to paying cash.

Method and assumptions

Figur applies standard payment, interest, or projection formulas to the values you enter. The calculation runs entirely in your browser.

• Rates and contributions stay constant for the period unless the calculator says otherwise.
• Taxes, insurance, fees, penalties, and lender-specific terms are excluded unless a field explicitly includes them.
• Results are rounded estimates; a financial institution may use different rounding rules or payment dates.

This tool is for general information, not financial, tax, legal, or investment advice. Confirm important figures with the relevant institution or a qualified professional.

Sources and references

• CFPB consumer tools

Frequently asked questions