PagueCerto

Pay in cash or in installments?

PagaCerto helps you discover which option is more financially advantageous in just a few seconds.

Simply enter the purchase amount, the cash discount, and the number of installments. The app calculates which option leaves more money in your pocket, considering the return on your money over time.

Ideal for use at the time of purchase, at a store checkout, or during an online purchase.

FEATURES

• Quick comparison between cash and installment payments
• Calculation considering the return on money over time
• Simulation with different types of investments
• Clear visualization of the financial difference between the options
• Projected cash flow graph
• Calculation of the minimum discount needed to compensate for paying in cash

REALISTIC SIMULATIONS

PagaCerto considers compound interest and the real taxation of Brazilian investments to generate estimates closer to reality.

You can choose different yield scenarios, such as:

• Savings Account
• Treasury Selic Bonds
• Certificates of Deposit (CDBs)

• Or enter a custom rate

TRANSPARENCY

The reference rates used in the simulations are based on public data from the Central Bank of Brazil.

WARNING

This application is for educational and informational purposes only. The calculations are estimates and do not constitute financial advice.