More in Legal & Catastrophe
What this calculator does
Rent-to-own stores often offer a 90-day same-as-cash option. This calculator shows what weekly payment is needed to buy the item outright.
The math
Required weekly payment = cash price ÷ 12 weeks.
Worked example
An $800 item requires about $66.67 per week for 12 weeks to avoid rent-to-own interest.
Why this matters
Legal and medical bills are stressful and opaque. This calculator gives you a starting number and a concrete next question to ask.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Is same-as-cash always 90 days?
It varies by store. 12 weeks is a common approximation.
What if I miss the window?
You usually pay far more than the cash price over the full term.