Purchase Planner

Compare the true cost of paying cash vs. financing options, accounting for the opportunity cost of spending money instead of investing it.

Purchase price

What you would earn investing the cash instead

Option A: Pay in full

Include

No interest or fees. Opportunity cost applied over reference period.

Option B: Personal loan

Include

Option C: 0% APR promo card

Include

Option D: Buy now, pay later

Include

Choose what you want Krovos to compare

Enter the purchase price and include at least one payment option. Add that option's terms when they appear. Leave the investment-return assumption blank only when you want a 0% comparison.