¿Cuotas o Contado?

The most Argentine dilemma of all: 12 interest-free installments, or cash with a discount? This app solves it for you in 10 seconds, inflation and all.

HOW IT WORKS

You enter the price, the number of installments offered, and the cash discount. The app compares everything in today's currency and gives you a clear verdict: which option is better for you and how much you'll save.

• Considers the real monthly inflation rate (latest data from INDEC, automatically updated)
• Considers how much your money earns in a digital wallet while you pay the installments
• If the installments have interest, you enter the APR from the fine print and it calculates it anyway
• Works whether you have all the money today or not

PROMO DECODER

Is "70% off the second unit" a good discount? Spoiler alert: it's 35%. The app decodes typical promotions (buy one, get one free, buy one get one free, get one free, get a discount on the second item) and shows you the actual discount, so you don't get confused by marketing hype.

YOUR SAVINGS HISTORY

Every calculation you save is recorded in your history, along with the date and how much you saved. At the end of the month, you know exactly how much money the calculator saved you.

STRAIGHT THINGS OUT

• Free and ad-free
• No registration, no account, no email required
• Your calculations stay on your phone, not in the cloud
• Inflation and yield data are automatically updated (and you can adjust them manually whenever you want)

IMPORTANT

The app is an informational calculator: it is not financial advice. The results are estimates based on the numbers you enter and publicly available reference rates. Before making a purchase, confirm the actual terms (including the APR, fees, and taxes) with the merchant, your bank, or your digital wallet.