In short
Yes. Kesef has a free instalments vs cash calculator at getkesef.app/en/tools/instalments-vs-cash-calculator: you enter the cash price, the instalment total, the number of instalments and the inflation you expect, and it tells you what the instalments are worth today and which one costs less.
The calculator brings each instalment back to today's money using the monthly inflation you expect, and compares the sum with the cash price. It shows two differences: the nominal one, which is what you see on the receipt, and the present-value one, which is what matters when prices rise. It's arithmetic on your assumptions, not a buying recommendation.
More detail
- It runs in the browser, with no account and nothing to download. The numbers stay in the page address, so you can share the result with the link.
- You set the inflation: the calculator doesn't come with any figure loaded. The latest published figure is in INDEC's CPI (Argentina).
- In the app, an instalment purchase is logged once: pick the credit card as the payment method, enter the total and the number of instalments, and Kesef spreads one instalment per month (the app labels each one "Installment 3 of 12") and reminds you the day before each one is due.
- Is it better to pay in instalments or in cash?The calculator, with the formula and a worked example.
- Credit card instalments, spread across the monthsHow instalments work in the app.
- Payment calendar: what you spent and what's coming, day by dayWhich instalments and fixed bills are coming, day by day.