Inveriok
Finance it or pay cash?
Compare the total cost of financing a purchase versus paying cash, factoring in the loan interest and what your money could earn if you keep it invested.
You save 1.940 € compared with financing, even after subtracting what that money would have earned invested.
Three steps, one decision backed by numbers
Enter the purchase
The amount and the financing terms you're offered: APR and term.
Add your expected return
The one you expect from your investments if you keep the money invested instead of spending it.
Compare the result
Inveriok tells you which option is cheaper in the long run, with your real numbers.
Financing isn't always worse than paying cash
The usual intuition says paying cash is always cheaper, because you avoid interest. But that's only true if that money would otherwise sit idle. If you have that capital invested with an expected return higher than the financing's interest rate, keeping it invested and financing the purchase can work out better in the long run — it's what in finance is called opportunity cost.
Inveriok's comparator does that calculation for you: it sets the total cost of financing (amount plus interest based on the APR and the term) against the opportunity cost of paying cash (what that money would have earned invested at the return you define). The result always depends on your real terms, not on a general rule.
This decision draws on the same data as the can I afford it? simulator and your real-time investments: the more complete your financial profile is in Inveriok, the more accurate each calculation.
Everything you need, nothing you don't
- ✓Total cost of financing, with APR and term
- ✓Opportunity cost of paying cash
- ✓Clear comparison with your own numbers
- ✓Connected to your real investments
- ✓Included in Premium, try 14 days free
Frequently asked questions
It calculates the total cost of financing against the opportunity cost of investing that money if you pay cash.
What your money could have generated invested, instead of spending it in cash.
When the financing interest is lower than the expected return of your investments.
Your security is our priority
We don't use Open Banking. We never access or store your banking credentials at any time.
All communication between the app and our servers uses HTTPS.
Row Level Security: no other user, not even with technical access to the system, can see your data without your credentials.
We comply with the European Union's General Data Protection Regulation.
No. Inveriok has no connection to your bank accounts — you enter transactions by hand or import a statement. We never access your credentials or act on your behalf.
Not without your credentials. The database uses Row Level Security: each user can only access their own data, not even with technical access to the system.
No. We never sell your data or share it for advertising purposes.
Your account and all your financial data are deleted immediately and permanently, with no backups — you can do it whenever you want from your profile.
Decide with the math, not with intuition
Compare your next purchase today. 14 days of Premium free, cancel anytime.
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