Cash vs. installments calculator
Compare the cash price with the installment price, see the implied annual financing cost and the present value of installments against a bank-deposit return, and decide which is better.
The most common question we hear: "I have the money — pay cash for the discount, or take the plan and keep the cash in a deposit?" This tool computes the installment premium, the implied annual financing cost hidden in the plan, and the present value of all installments at your alternative return. If that present value is below the cash price, installments win.
Why "interest-free" still costs
Developers quote two prices; the gap (15% for 5 years up to 35–45% for 10 years) is the financing cost. Spread over the term it usually works out to 7–12% a year — often below what bank certificates pay in Egypt, which is why installments are frequently the smarter choice.
When cash wins
- Large cash discount (30%+) on a short plan
- Ready units you can rent immediately
- You need the final contract or registration fast
- Interest rates are heading down
When installments win
- Deposit returns exceed the implied financing cost
- You want liquidity or a second unit
- High inflation erodes fixed installments
- The developer offers early-settlement discounts later
FAQ
What cash discount do North Coast developers give?
Typically 20–40% versus the installment price, more in early launch phases.
What is the implied financing cost?
The annual rate that makes the present value of your installments equal the cash price — the hidden interest.
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Tools
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