NowOrLater is an app designed to help users make better purchasing decisions by simulating different payment methods (with their respective particularities) and recommending the best option for a specific purchase situation. Features: 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.