"5% off for cash, or pay over 12 months at 0%?" The cash discount is usually a guaranteed saving, while 0% lets your money keep earning. Enter the deal to see which truly costs less in today's dollars.
The deal
$
%
mo
%/yr
Verdict
Take the cash discount — it's cheaper
Pay cash (after discount)
$1,900
0% financing (today's value)
$1,947
The numbers
Cheaper option saves
$47
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Prices in
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How it's calculated
Cash cost = price minus the cash discount, paid today.
Financing cost = the payments, discounted to today's value at the return you'd earn on the cash.