# NowOrLater: Purchase partner — Make Smarter Purchases

> Make Smarter Purchases (iPhone/iPad app by Tiago Camargo Maciel dos Santos.)

- Source: https://appshunter.io/ios/app/noworlater-purchase-partner/id6753960480 (this page in markdown: same URL + `.md`)
- Developer: [Tiago Camargo Maciel dos Santos](https://appshunter.io/developer/1810777066)
- Category: Finance, Education
- Price: Free (on sale, was $1.99)
- Age rating: 4+
- Requires: iOS 16.6 · 11 MB
- Languages: American English, Brazilian Portuguese
- Released: 2025-11-25
- Data updated: 2026-05-17
- User reviews in markdown: https://appshunter.io/ios/app/noworlater-purchase-partner/id6753960480/reviews.md

## What is NowOrLater?

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.


## Version history (last 3 releases)

### 2.1 — 2025-12-24

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

### 2.0 — 2025-12-10

New features:
- Widgets as shortcuts for creating new simulations or editing investments
- App onboarding/introduction
- iPad support
- Support for different iPhone and iPad orientations
- Liquid Glass support
- Better accessibility options, such as high contrast mode and voice over

Bug fixes:
- Better text truncation in input fields
- Better investment loading

### 1.0 — 2025-11-25

No release notes.

## More apps by Tiago Camargo Maciel dos Santos

- [Corporate Ladder](https://appshunter.io/ios/app/corporate-ladder/id6749512183)
- [Do you even know me?](https://appshunter.io/ios/app/do-you-even-know-me/id6753122279)
- [PocasIdeia](https://appshunter.io/ios/app/pocasideia/id6753698657)
- [Vape Quitter: NoPuff](https://appshunter.io/ios/app/vape-quitter-nopuff/id6761034273)

All apps by Tiago Camargo Maciel dos Santos: https://appshunter.io/developer/1810777066

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-17.*