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Financial education for Paraguay and the Spanish-speaking world

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Inflation (PY)
1.7%
BCP policy rate
5.5%
CDA >365 d (avg.)
9.95%

September 2026 inflation. CDA: bank average, BCP June 2026. More data on Paraguay.

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What does your loan really cost?

Enter what you receive and the payment you're offered. We've loaded an example: swap in your own numbers.

$
$
$

Fee, insurance or other costs taken out of the amount. Leave it at 0 if there are none.

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Educational estimate based on the data you enter. It doesn't include taxes or future changes. It's not an offer or personalized advice.

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Calculators

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What do you want to sort out?

True cost of a loan How much you pay in total, how much of it is interest, and the effective annual rate. Calculate "Interest-free" installments vs. paying cash Find out whether paying in installments or taking the cash discount is the better deal. Calculate Card cashback with a cap How much you really save with a cashback that has a monthly cap. Calculate Budget by paycheck Split your pay between needs, wants and savings with a simple rule. Calculate Get out of debt: avalanche vs. snowball Compare two methods for paying off your debts and see how much interest you save. Calculate Term savings vs. inflation How much your savings grow, and how much of that is real profit after inflation. Calculate Pay off debt or save? Compare the interest you avoid by paying off a debt with what you'd earn by saving. Calculate Student mode: NPV, IRR and interest Formulas explained, calculators and worked exercises, step by step. Calculate

Paraguay by the numbers

Your money vs. inflation

With inflation at 1.7% and an average CDA yield of 9.95% at banks for terms over 365 days (BCP, June 2026), the real return of that benchmark is about 8.1% a year. It's a reference average: each institution sets its own rate, so confirm it before you decide.

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Coming soonGet out of debt: the step-by-step methodSort out what you owe, choose between avalanche and snowball, and build your exit plan with real numbers.Coming soonYour first savings and investments in guaraníesEmergency fund, CDAs, funds, and how to read a rate without being fooled. All in guaraníes.Coming soonFinancial math for studentsSimple and compound interest, NPV, IRR and worked exercises, explained step by step.

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Frequently asked questions

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What is FinanciaMente?

It's a financial education site for Paraguay and the Spanish-speaking world: free calculators, short guides and videos. We don't sell financial products or give personalized advice.

Are the calculators free?

Yes, all of them. You don't need to sign up or share any personal data to use them.

What's the difference between the payment and the real cost of a loan?

The payment is what you pay each month. The real cost is everything you pay back on top of what you received, expressed as an effective annual rate. That's why the loan calculator starts from the amount you receive and the payment.

Where does the Paraguay data come from?

From public sources (such as the Central Bank of Paraguay and each institution's published rates), with the date and a link. Rates change: confirm them with the institution before you decide.

Who is the Prof?

The Prof is the creator of FinanciaMente and the person who explains finance in our videos, with simple examples from Paraguay.