Rent-to-Own Early Buyout Calculator
Rent-to-Own Early Buyout Calculator
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, with a worked example
Required weekly payment = cash price ÷ 12 weeks. An $800 item requires about $66.67 per week for 12 weeks to avoid rent-to-own interest.
Why this matters
Rent-to-own pricing only wins if you never finish paying it — the weekly rate is designed to double or triple the cash price over the full term. Early buyout flips the trap: cover the cash price fast and the markup never accrues.
Methodology and transparency
Required weekly payment = the item's cash price ÷ 12 weeks — the pace that clears the purchase before rent-to-own pricing compounds. The 12-week window is the tool's target, not a contract term: your agreement's own early-purchase-option clause sets the real payoff formula, and some charge a percentage premium over cash price even on early buyout. Read that clause before relying on the divide-by-12 plan. Everything runs in your browser; no data is sent or stored.
Last reviewed: 2026-08-08
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.