NowOrLater: Purchase partner

Make Smarter Purchases

Free · Designed for iPad. Not verified for macOS.

Pay Now with Discount or Invest and Pay Later?  Compare interest, simulate payments, and see which option truly makes your money work harder for you! NowOrLater: The Power of Financial Decision-Making in Your Pocket! Stop guessing. Start profiting. Have you ever wondered if it's really worth paying for that item upfront with a 5% discount, or if it's better to pay in installments with no interest (or low interest) and leave your money invested and yielding returns? NowOrLater is the missing tool to turn that doubt into certainty of savings. We don't just look at the final amount: we integrate your investment rate to calculate the true opportunity cost of each payment method. Features That Make Your Money Grow: Complete and Detailed Simulation - compare two payment options for any product or service: Cash: With or without discount, simulating immediate disbursement. Credit: Monthly or annual installments, with or without interest. Calculation with Opportunity Cost: Enter the interest rate your money is yielding. NowOrLater shows how much you stop earning (or how much more you earn) by choosing one option over the other. Investment Management: Create, edit, and delete your own investment profiles, defining an estimated interest rate. Define new rates using an already created interest rate as a reference. Official Rate Integration (Exclusive): Use the US Federal Funds Rate for a solid comparison basis. Why Use NowOrLater? Real Savings: Ensure every purchase is the smartest one, maximizing the profitability of your capital. Transparency: Understand hidden interest and the real benefits of discounts. Control: Have total control over the financial impact of your purchasing decisions. Download NowOrLater and make payment decisions that truly work for your financial future! Images used under license from macrovector / Freepik.

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New type of discount: already discounted value - add the final value, with the discount already applied, to the calculation when necessary.

Version 2.1

The developer, Tiago Camargo Maciel dos Santos, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Not Collected

    The developer does not collect any data from this app.

    Privacy practices may vary, for example, based on the features you use or your age. Learn More

    The developer indicated that this app supports the following accessibility features. Learn More

    • Supported Features

      • VoiceOver

      • Dark Interface

      • Differentiate Without Color Alone

      • Sufficient Contrast

    Information

    Seller
    Tiago Camargo Maciel dos Santos
    Size
    11.6 MB
    Category
    Finance
    Compatibility
    Requires iOS 16.6 or later.
    • iPhone
      Requires iOS 16.6 or later.
    • iPad
      Requires iPadOS 16.6 or later.
    • Mac
      Requires macOS 13.5 or later and a Mac with Apple M1 chip or later.
    • Apple Vision
      Requires visionOS 1.0 or later.
    Languages
    English and Portuguese
    Age Rating
    4+
    Copyright
    © 2025 Tiago C. M. dos Santos
  • Privacy Policy

    • More by Tiago Camargo Maciel dos Santos

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