The sticker price is rarely the real price. Zowly displays what the same purchase costs three ways — paid in cash, on a credit card, or with a HELOC — once interest and the value of your money over time are counted. You decide.
e.g. the rate of debt it could pay down, or down-payment growth. This is the honest cost of spending cash.
Zowly is a financial calculation and education tool. We are not a licensed financial advisor, broker, or lender. Nothing in Zowly constitutes financial, investment, tax, or legal advice. All numbers Zowly displays are projections based on the information you enter — they are not guarantees of any outcome. Always consult a qualified financial professional before making major financial decisions. Bank connections on the paid plan are secured by Plaid Inc. Zowly never has access to your banking credentials or the ability to move your funds.