See Through Every Deal

If you pay cash today, you give up what that money could have earned (savings, investments). If your investment return rate is higher than the installment's effective interest rate, keeping cash and paying installments can be smarter. Prism calculates this for you.

No. All calculations happen in your browser. No data is sent to our servers. When you share a link, the numbers are encoded in the URL itself — we never see them. Your financial data stays yours.

Clear ($7/mo) unlocks opportunity cost, inflation analysis, charts, and unlimited calculations. Pro ($19/mo) adds the true IRR calculator, sensitivity heat map, early payoff optimizer, 3-offer comparison, Prism Payoff tool, and debt burden gauge — everything a business owner or advisor needs.

Prism Payoff is a separate tool (Pro and above) for people who already have an existing loan and received a lump sum of cash. It analyzes whether to pay off the loan now, invest the cash, or do a partial payoff — giving you a clear recommendation with full numbers.

Yes. We offer a 14-day money-back guarantee for all paid plans, no questions asked. If Prism does not deliver value in your first two weeks, contact us and we will refund you immediately.