Make smarter financial decisions

Simulate financing and loans using PRICE or SAC amortization with full transparency about costs, interest rates and schedules.

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Quick Simulation

Loan Amount

Annual Interest Rate (%)

Term (months)

Amortization Type

Equal installments. At first, much of each payment is interest.

What you can do

PRICE & SAC Amortization

Compare both amortization models side by side to find the best option for you.

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Compare Institutions

Save and compare simulations from different banks to see the real savings.

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Late Payment Calculator

Calculate penalties and moratory interest for late payments with precision.

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Renegotiation

See whether the bank's settlement offer is a real discount over the debt as it stands today.

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Compare Investments

See which offer pays more after tax and how to split your money.

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My Debts

All your active debts in one place, from the most expensive to the cheapest. Needs a free account.

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Supports different currencies and tax rules per country (IOF, IVA and more).

Guides to decide better

PRICE or SAC: how each system works and which to choose

Learn the difference between the PRICE and SAC tables, see an example with real numbers and what matters when choosing between fixed and decreasing installments.

Read the guide

Nominal and effective rates: why 1% a month is not 12% a year

Learn to convert monthly and annual rates, understand the difference between nominal and effective rates and avoid comparing interest that looks equal and costs differently.

Read the guide

CET: what the total effective cost is and how to compare offers

Learn what goes into the total effective cost (CET), why it is higher than the advertised interest rate and how to use it to compare loans and financing.

Read the guide

See all guides