The last payment matters
Check the final payment in a balloon finance offer.
A low monthly payment can move a large part of the cost to the end of the agreement. The deposit, every instalment, fees and final payment matter together.
Upload the balloon finance offer as a PDF or photos
Carculated looks for the deposit, number of payments, monthly payment, total amount, APR and final payment with evidence from the document.
- Every payment
- Final payment
- Total amount & clauses
The original is deleted after analysis. Only redacted offer facts and evidence snippets are retained, never a document copy. How we process your document.
The example only shows the method. Your result uses the documented figures from your offer.
How the final payment changes the offer
The final payment is reviewed alongside every other payment and the documented end-of-term options.
- 01Build the total amountThe deposit, monthly payments, fees and final payment are added without omissions.
- 02Show the balloon shareYou see how much of the total payment remains outstanding until the end.
- 03Review the end optionsReturn, settlement or refinancing only count when the offer actually promises and describes them.
Original deleted after analysis
We use your PDF or images only to extract the offer details, then delete the file. A private version history is saved only when you actively create a negotiation case; statistics facts require a separate opt-in.
Assessment before partner offers
We calculate the costs and review the contract before any partner offers appear. Commission changes neither your result nor its assessment. If no genuinely comparable offer is available, we show none.
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