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Car Loan vs Cash — United Kingdom

Finance the car or pay cash and invest?

In United Kingdom, average net monthly pay is about $3200 and a one-bedroom rent is about $1500. Petrol is $1.85/L and electricity $0.34/kWh.

1Set the inputs2Read the result3Sanity-check

InputsSet your numbers

$25,000
$5,000
5.6%
5
7%
Live result
Cheaper optionFinancecheaper route
Investment return beats the interest — finance and invest.
$383 Monthly payment
$2,977 Total interest
$8,051 Investment gain
$5,074 Net difference

Sliders are pre-filled with United Kingdom's approximate data — change anything.

Common questions

ঋণ নেব নাকি নগদ?

যদি ঋণের সুদের চেয়ে বিনিয়োগের রিটার্ন বেশি হয়, ঋণ নিয়ে নগদ বিনিয়োগ করা ভালো।

সুদ কত?

মোট কিস্তি বাদ মূলে যা বেশি দেন, সেটাই সুদ।

ঝুঁকি?

বিনিয়োগের রিটার্ন নিশ্চিত নয় — ঋণ সবসময় পরিশোধ করতে হবে।

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