Finance
Loan APR estimate
Estimate an annualized rate when fees reduce the amount received.
Calculators / Finance / Installment plan total cost
Installment plan total cost calculator
Compare a fixed installment schedule with a stated cash price.
On this page
Total paid1,200
Extra cost versus cash100
Installment subtotal1,080
Calculator controls
How to calculate
Compare a fixed installment schedule with a stated cash price.
Total paid =
deposit+payment*count+feeExtra cost versus cash =
deposit+payment*count+fee-cashInstallment subtotal =
payment*countWorked example
- Upfront payment: 100
- Payment per installment: 90
- Number of installments: 12
- One-time fee: 20
- Cash purchase price: 1100
- Total paid: 1,200
- Extra cost versus cash: 100
- Installment subtotal: 1,080
Assumptions and limits
This totals payments only; it does not calculate APR or discount future cash flows. Include all known fees and check the actual payment dates separately.
Results are rounded for display; calculations use unrounded values. Read our calculation methodology.
Understanding the result
Compare a fixed installment schedule with a stated cash price. Add the deposit, every scheduled payment and the one-time fee. Compare the resulting total with the same item’s cash price.
When this tool is useful
Add the deposit, every scheduled payment and the one-time fee. Compare the resulting total with the same item’s cash price.
Understanding your inputs
| Input | Example |
|---|---|
Upfront payment deposit | 100 |
Payment per installment payment | 90 |
Number of installments count | 12 |
One-time fee fee | 20 |
Cash purchase price cash | 1100 |
Frequently asked questions
What does this estimate leave out?
This totals payments only; it does not calculate APR or discount future cash flows. Include all known fees and check the actual payment dates separately.
How do I check the example?
Use the stated units and the formula below. Keep full precision until the final answer; change one input at a time to see its effect.