Investment

Mindful credit-card spending

Simulate instalments with money invested, monthly withdrawals and cashback or points and miles.

SIMULATE YOUR PURCHASE

Purchase and card

Purchase price (BRL)Number of instalmentsFinancing interest (% per month)Use 0 for interest-free instalments.First payment

Invested money

The initial investment equals the purchase price.

Estimated net return (%)After estimated investment taxes and costs.Rate period

Card benefit

Benefit typeCashback (%)

Estimated savingsR$91.37

7.61% less relative to the entered purchase price.

Estimated effective purchase costR$1,108.63

Net investment incomeR$79.37

Estimated cashbackR$12.00

How the result was calculated

Purchase price / initial investment: R$1,200.00
Estimated instalment: R$100.00
Total card payments: R$1,200.00
Financing interest: R$0.00
Investment income: − R$79.37
Purchase cashback: − R$12.00
Estimated effective cost: R$1,108.63
Remaining investment balance: R$79.37

The card earns R$1,200.00. Effective cost deducts investment income and cashback, where selected. The remaining investment balance is not deducted again.

Investment balance over time

Equivalent monthly return: 0.9489%. Each instalment is withdrawn at the end of each month.

View the monthly schedule (12 payments)

Month	Opening balance	Income	Instalment	Investment withdrawal	Extra cash required	Closing balance
1	R$1,200.00	R$11.39	R$100.00	R$100.00	R$0.00	R$1,111.39
2	R$1,111.39	R$10.55	R$100.00	R$100.00	R$0.00	R$1,021.94
3	R$1,021.94	R$9.70	R$100.00	R$100.00	R$0.00	R$931.64
4	R$931.64	R$8.84	R$100.00	R$100.00	R$0.00	R$840.48
5	R$840.48	R$7.98	R$100.00	R$100.00	R$0.00	R$748.46
6	R$748.46	R$7.10	R$100.00	R$100.00	R$0.00	R$655.56
7	R$655.56	R$6.22	R$100.00	R$100.00	R$0.00	R$561.78
8	R$561.78	R$5.33	R$100.00	R$100.00	R$0.00	R$467.11
9	R$467.11	R$4.43	R$100.00	R$100.00	R$0.00	R$371.54
10	R$371.54	R$3.53	R$100.00	R$100.00	R$0.00	R$275.07
11	R$275.07	R$2.61	R$100.00	R$100.00	R$0.00	R$177.68
12	R$177.68	R$1.69	R$100.00	R$100.00	R$0.00	R$79.37

Simulation assumptions

Money is invested before the first payment. The entered return is net, constant and assumes monthly liquidity. The annual rate is converted to an equivalent monthly rate using compound interest. Each month is rounded to cents.

Financing uses fixed annuity payments, with a cents adjustment in the final payment. If the first payment is today, the model uses advance payments and does not charge interest before it. If the investment cannot cover a payment, the difference is shown as extra cash required; the model does not maintain a negative investment balance.

Cashback and points apply to the purchase price excluding financing interest. Cashback is deducted in the final result and is not reinvested. Points and miles depend on the card and programme’s conversion, eligibility and rounding rules; transfer bonuses are excluded.

The comparison uses the entered price without an additional cash-payment discount. Card annual fees, IOF and unreported charges are excluded. Initial values are editable examples, not market rates or promised returns.

How to simulate instalments with the purchase amount invested

Compare an instalment purchase while accounting for the return on money set aside and the benefits of your card. The simulator tracks the investment balance and the withdrawals used to pay each instalment. Form values are editable examples, not credit offers or current market rates.

Step by step

Enter the purchase price, number of instalments and monthly financing rate. Use zero for interest-free instalments.
Choose whether the first payment is due today or in a month. Enter your estimated net investment return as a monthly or annual rate.
Select cashback, points and miles, or no benefit. For points, enter the card’s dollar conversion rate and points-to-miles ratio.
Compare total payments, investment income, extra cash required and effective purchase cost. Review the monthly schedule to understand each withdrawal.

Calculation method

The initial investment equals the purchase price. Each month the model applies the estimated return and withdraws the payment. When the balance cannot cover a payment, the difference is recorded as extra cash required. Effective cost is total payments less investment income and cashback, where applicable. Points and miles are shown as quantities without assigning them a cash value.

Assumptions and limitations

Results depend on the rates, dates and rules you enter. Annual card fees, unreported charges, taxes and additional cash-payment discounts are not included. Returns stay constant within the scenario and are not guaranteed. The remaining investment balance is not deducted twice.

Common questions

Can I simulate an interest-free purchase?

Yes. Set monthly financing interest to 0%. The schedule will use that assumption.

Do miles reduce the cost in cash?

Not in this simulator. Miles are shown as a quantity because their value depends on the programme and how you redeem them.