RATIOXA CARS · Decision tool
Finance or pay cash?
Compare borrowing costs with the opportunity cost of your capital over the same period.
6 inputsDetailed comparisonSaved locally on this device.
DECISION PACK
Finance or pay cash?
Created: 18/08/2026 · finance-or-cash@5.0
Important: Scenario calculation based on your assumptions; not purchase or financing advice.
Result · Why?
Cash leads by €1,768
The key question is whether the assumed net return economically exceeds the loan rate and fees.
Difference€1,768
Finance
Cash
Break-even
Return crossover
At this assumed return both payment paths are level.
Result robustness
Robust within tested range
The leading option remains ahead across the automatic ±10% input tests.
- Loan APRApprox. change in result: €588
- Expected investment returnApprox. change in result: €426
- TermApprox. change in result: €166
RATIOXA STORY
Your Decision Story
- 1
Finance: €53,050
- 2
Cash: €51,282
- 3
Cash leads in the base case.
Calculation Health
Quick estimate
Add more of your own values to strengthen the scenario.
- + Purchase price
- + Finance down payment
- + Loan APR
RATIOXA IMPACT MAP
What matters most?
Loan APR€588
Expected investment return€426
Term€166
Purchase price€152
Finance fees€61
Finance down payment€18
Higher impact →Key insight
Your decision is most vulnerable to changes in Loan APR.
The key question is whether the assumed net return economically exceeds the loan rate and fees.
SCENARIO RANGE · DETERMINISTIC
Stress-test this decision
RATIOXA ×
Return crossover
At this assumed return both payment paths are level.
Crossover5.59
Compare everything
FinanceCash
Result value€53,050€51,282
Difference—€1,768
Down payment + fees€5,350€42,000
Interest€5,098€9,282
RATIOXA FLOW
Next useful steps
SCENARIO RANGE
Conservative · Base · Optimistic
Locked assumptions
TRUST CHECK
Fair Comparison Check
- ✓Same comparison horizon
- ✓Comparable cash flows
- ✓Residual values and balances included
- ✓Inputs are internally consistent
Not included in the model
- Contract terms, eligibility and taxes outside the entered values
- Personal risk tolerance and liquidity needs
- Professional legal, tax, finance or energy advice
Assumption freshness
Decision readiness
0/6 inputs replaced with your own or transferred values · 4 real-world details still worth checking
- ○ Have both alternatives been compared over the same period?
- ○ Are all one-off costs and fees confirmed?
- ○ Are resale value, remaining debt and end assets documented?
- ○ Have you tested a cautious range for uncertain assumptions?
TRANSPARENT MATH
Formula inspector
Calculation steps
- Both paths are compared as the future value of all payments at the end of the term.
- Loan payments include principal; the model counts actual cash flows and their timing.
- The return crossover is solved numerically within a documented range.
Substitution with your values
Sum of displayed components A = 5350.00 + 5097.86 = 10447.86Sum of displayed components B = 42000.00 + 9281.86 = 51281.86Total: 53049.75 / 51281.86SOURCE SNAPSHOT
Official reference context
Context only. RATIOXA never substitutes a policy rate or survey result for your personal offer.
European Central Bank · Euro areaECB deposit facility: 2.25 %Effective 2026-06-17 · Verified 2026-08-17
Caution: Macroeconomic context — not your personal loan or mortgage rate.
Primary source ↗CURRENT CONTEXT
Relevant developments
A sourced update may affect one of your assumptions. RATIOXA never changes a value silently.
MONEY
ECB keeps key interest rates unchanged after June increase
Key rates shape financing conditions but are not your personal loan rate.
May affect: Mortgage APR · Loan APRImportant: Scenario calculation based on your assumptions; not purchase or financing advice.
WHAT-IF
Snapshot current scenario
IMPORTANT DOCUMENTS
Prepare the decision
● Saved locallyQUESTIONS TO ASK
Ask before you sign
- Which one-off costs apply?
- Which assumptions apply to return or resale?
- Which costs are excluded from the payment?
EXTERNAL OFFERS · SEPARATE FROM THE CALCULATION
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The independent RATIOXA result above never changes based on these links.
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