Buy Cash vs. Installment & Loan Analyzer

Find out whether paying cash immediately or buying on installments while investing your money saves you more, and uncover the true APR of bank loans.

Currency:

Purchase & Investment Parameters

Cash Price of Item / Car / PropertyEGP 100,000

Price if you pay 100% cash immediately today

EGP

Down Payment (Upfront for Installment)EGP 10,000

Paid on day 1; the rest of your cash stays invested

EGP

Monthly Installment AmountEGP 4,500

Required monthly installment payment

EGP

Installment Duration (Months)24 months

Expected Annual Return % on Invested Cash22%

Annual yield if you keep your cash in a bank certificate, money-market fund, or gold

Instant Financial Verdict & Cash Flow

Installments + Investing Wins

Buying on Installments & Investing Your Cash Saves You EGP 5,039!

By investing your remaining cash and paying each monthly installment from the pool, your money earns EGP 23,039 in returns—more than covering the EGP 18,000 installment price difference.

Total Paid via Installments

EGP 118,000

Markup over cash: EGP 18,000 (18%)

Total Investment Returns Earned

+EGP 23,039

Earned on EGP 90,000 initial invested pool

Net Balance Left After Final Installment

EGP 5,039

Surplus cash remaining in your pocket

Month	Remaining Investment Principal	Monthly Yield Earned	Installment Deducted	Net Remaining Balance
1	EGP 90,000	+EGP 1,650	−EGP 4,500	EGP 87,150
2	EGP 87,150	+EGP 1,598	−EGP 4,500	EGP 84,248
3	EGP 84,248	+EGP 1,545	−EGP 4,500	EGP 81,292
4	EGP 81,292	+EGP 1,490	−EGP 4,500	EGP 78,283
5	EGP 78,283	+EGP 1,435	−EGP 4,500	EGP 75,218
6	EGP 75,218	+EGP 1,379	−EGP 4,500	EGP 72,097
7	EGP 72,097	+EGP 1,322	−EGP 4,500	EGP 68,919
8	EGP 68,919	+EGP 1,264	−EGP 4,500	EGP 65,682
9	EGP 65,682	+EGP 1,204	−EGP 4,500	EGP 62,386
10	EGP 62,386	+EGP 1,144	−EGP 4,500	EGP 59,030
11	EGP 59,030	+EGP 1,082	−EGP 4,500	EGP 55,612
12	EGP 55,612	+EGP 1,020	−EGP 4,500	EGP 52,132
13	EGP 52,132	+EGP 956	−EGP 4,500	EGP 48,588
14	EGP 48,588	+EGP 891	−EGP 4,500	EGP 44,978
15	EGP 44,978	+EGP 825	−EGP 4,500	EGP 41,303
16	EGP 41,303	+EGP 757	−EGP 4,500	EGP 37,560
17	EGP 37,560	+EGP 689	−EGP 4,500	EGP 33,749
18	EGP 33,749	+EGP 619	−EGP 4,500	EGP 29,867
19	EGP 29,867	+EGP 548	−EGP 4,500	EGP 25,915
20	EGP 25,915	+EGP 475	−EGP 4,500	EGP 21,890
21	EGP 21,890	+EGP 401	−EGP 4,500	EGP 17,791
22	EGP 17,791	+EGP 326	−EGP 4,500	EGP 13,618
23	EGP 13,618	+EGP 250	−EGP 4,500	EGP 9,367
24	EGP 9,367	+EGP 172	−EGP 4,500	EGP 5,039

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How it's calculated: In the Cash vs. Installment engine, the cash price minus the down payment is invested on day 1, earning monthly compound yield (Annual Rate ÷ 12) while each monthly installment is deducted at month-end. True Equivalent APR is solved via internal rate of return (IRR) on net disbursed cash.