Examples
Examples
Try the starting example
- Cash purchase price ($)
- 1000
- Upfront payment ($)
- 100
- Installments: date, payment $, additional fee $
- 2026-11-01,300,10 2026-12-01,300,10 2027-01-01,300,10
- Total paid including upfront and fees ($)
- $1,030.00
- Premium above cash price ($)
- $30.00
- Premium relative to cash price (%)
- 3
- Dated installment outflows ($)
- 2026-11-01: 310; 2026-12-01: 310; 2027-01-01: 310
Try another scenario
- Cash purchase price ($)
- 1000
- Upfront payment ($)
- 100
- Installments: date, payment $, additional fee $
- 2026-11-01,300,0 2026-12-01,300,0 2027-01-01,300,0
- Total paid including upfront and fees ($)
- $1,000.00
- Premium above cash price ($)
- $0.00
- Premium relative to cash price (%)
- 0
- Dated installment outflows ($)
- 2026-11-01: 300; 2026-12-01: 300; 2027-01-01: 300
Calculation method
Calculation method
Total paid including upfront and fees ($)
Upfront payment + sum scheduled payments + sum additional fees.
Premium above cash price ($)
Total paid − cash purchase price.
Premium relative to cash price (%)
Premium / cash price × 100.
Dated installment outflows ($)
Group payment+fee by date, ordered chronologically. Upfront amount is included in the total but has no inferred date.
Symbols and units
- a
- Cash purchase price ($)
- b
- Upfront payment ($)
- c
- Installments: date, payment $, additional fee $
Use the units shown. A list keeps the order in which you enter its values. The symbol ^ means “raised to the power of”.
Assumptions & limits
Assumptions & limits
- Compares the supplied cash amounts, excluding time value, APR, late fees not entered and changes to repayment terms. No finance agreement is inferred or recommended.
Are these inputs private?
These calculations run in your browser. A shared link contains the values you choose to share. Only questions submitted to the separate AI finder are sent to OpenAI.
Further reading
OpenStax: arithmetic and geometry ↗
Background reading; this does not imply endorsement or independent review of SumFizz.