Рассрочка без переплат is a free Android application developed by Максим Андреев that helps users calculate the actual interest rate on installment payments. It works as an annuity loan calculator in reverse. The app is designed to help users make informed decisions about whether buying a product on installment is cost-effective.

The app is straightforward to use. Users enter the full price of the item, the price without installment, and the duration of the installment plan. The app will then calculate the actual interest rate with mathematical precision. This calculation can help users compare the interest rate with that of bank loans in their region and make an informed decision about whether to purchase the item on the proposed installment terms.

The app also provides tips on how to make the right choice when considering installment purchases and allows users to share this information with friends. Overall, Рассрочка без переплат is a useful tool for anyone considering installment payments.