Part of the topic: 🐷 Saving, loans & retirement
Instalment & 0% financing calculator
Before Black Friday: check what an instalment plan really costs. Enter price, term and interest – and, if a cash discount is offered, see the real interest rate of the “0%” offer.
What changes for Klarna, PayPal & co. – and how to check a 0% offer.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter price, term and the effective annual interest rate from the offer (0 for 0% financing).
- Add fees if the provider charges them.
- If you would get a discount when paying at once, enter it to see the real cost of the instalment plan.
Last checked: October 2026 · Based on: Annuity formula. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
Is 0% financing really free?
Only if the price is the same as for cash payment and there are no fees. If you lose a cash discount, the financing has a real cost – the calculator shows it as an annual rate.
What changes for buy now pay later in Germany?
From 20 November 2026, BNPL and small loans fall under consumer-credit law: providers must check creditworthiness and inform you about costs and risks. Simple invoice purchases without fees stay largely unaffected.