Installment True-Cost Calculator Pakistan
Buying a bike, phone, car or appliance on installments? See what it really costs versus paying cash — total paid, the extra over the cash price, and an approximate effective annual cost.
Qiston par cheez lene se cash ke muqable mein kitna zyada dena parta hai — asal cost dekhiye.
Last updated: 16 June 2026
The outright price if you paid cash today.
One-off charges
True cost of installments
Your inputs are calculated in your browser and are not stored by CalcuPK.
Cash vs installment
You're paying a meaningful premium over cash — compare other offers.
| Item | Amount |
|---|---|
| Cash price | PKR 400,000 |
| Down payment | PKR 80,000 |
| All installments | PKR 432,000 |
| Fees & charges | PKR 13,000 |
| Total paid | PKR 525,000 |
Formula & how it works
The calculator totals everything you actually pay and compares it to the cash price:
- Total paid = down payment + (monthly × months) + fees
- Extra over cash = total paid − cash price
- Effective annual cost ≈ extra ÷ amount financed ÷ years
A premium above ~40% of the cash price is flagged as high so you can pause and compare.
Example calculations
Example: a PKR 400,000 phone with PKR 80,000 down, PKR 18,000 × 24 months, plus PKR 13,000 in fees totals PKR 525,000 — about PKR 125,000 (31%) more than cash. The calculator shows this instantly and flags whether the premium is low, moderate or high.
Why installment plans cost more than they look
The headline monthly figure hides the total. Once you add the down payment, every installment and the processing, insurance and documentation fees, the premium over cash is often much larger than expected. Seeing the full number — and the effective annual cost — helps you decide whether to buy outright, save first, or take the plan deliberately.
For financed vehicles specifically, pair this with the car finance calculator.