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Installment Calculator

Simulate installments and send the proposal directly via WhatsApp

FreeWith or without interestAuto calculation

⚡Tools

Installment Data

Message for client

Hi, how are you? 😊 Here's the installment simulation: ━━━━━━━━━━━━━━━━━━━━ 🧮 *INSTALLMENT PLAN* ━━━━━━━━━━━━━━━━━━━━ 💰 *Value:* R$ 0,00 📅 *3x* of *$0,00* ✨ *Interest-free!* ━━━━━━━━━━━━━━━━━━━━ Can I help you with anything else?

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How to use the Installment Calculator

This free tool allows you to calculate installments with or without interest and generate a professional message to send the simulation to your clients via WhatsApp.

Features

  • Interest-free installments: Leave rate at 0% to divide without additional charges
  • Installments with interest: Use the Price system (compound interest)
  • Optional down payment: Calculate with or without down payment value
  • Up to 24 installments: Choose from 2x to 24x
  • Payment key: Include to facilitate payments

Calculation formula

For installments with interest, we use the Price System (Price Table), which is the most common method. In this system, all installments have the same value, and interest is compounded.

Ideal for

  • Stores and commerce: Quickly simulate payment conditions
  • Salespeople: Send professional proposals via WhatsApp
  • Service providers: Offer your own installment plan
  • Self-employed: Negotiate conditions with clients

Frequently Asked Questions

Get answers about this tool

How to calculate installments with interest?
Enter the total value, down payment (if any), number of installments and monthly interest rate. Our calculator applies compound interest, which is the most common method. Each installment value will be calculated automatically.
What does interest-free installment mean?
Interest-free installment means the total value is simply divided by the number of installments, without additional charges. For example, $1,000 in 10x interest-free = 10 installments of $100. For this, leave the interest rate field at 0%.
How does the down payment work in installments?
The down payment is a value paid at the time of purchase. The rest (total value minus down payment) is divided into installments. Offering a down payment can reduce risk and even enable better payment conditions.
What interest rate should I use?
The rate depends on your business and market conditions. Credit cards usually charge 1% to 3% per month. For your own installment plan, rates of 1% to 2% are common. For interest-free sales, leave it at 0%.
How to send the simulation to the client?
After filling in the data and calculating, click "Copy Message" or "Send via WhatsApp". The message will be generated with all installment details formatted clearly and professionally.
Can I do installments via payment apps?
Payment apps are usually for immediate payments, but you can create your own installment plan where the client pays each installment monthly. Our tool allows you to include your payment info in the message to facilitate payments.