Buy Now Pay Later Payment Planner
Combine multiple buy now pay later plans into one installment calendar. Estimate interest, fees, weekly payment totals and weeks that exceed your available budget.
Enter your details and select Calculate, or load the worked example to see a complete result.
Each plan starts with remaining purchase principal, remaining installment count, any remaining fees and the next due date. Zero-interest plans split the balance equally. Interest-bearing plans use equal-payment amortization over the remaining installments.
For monthly plans, periodic interest is APR ÷ 12. Weekly and fortnightly plans use APR × 7/365 or 14/365. Remaining fees are added to the first upcoming payment, not financed. Monthly dates preserve the original day where possible and clamp to the end of shorter months.
Combine all events into seven-day windows beginning at your forecast start. A budget-gap week is a week whose payments exceed the entered available amount. Unused budget is not carried between weeks.
Load the example to combine a $300 four-payment fortnightly plan and a $200 four-payment fortnightly plan, both due October 1. Their first combined payment is $125. Against a $100 weekly budget, each overlapping payment week has a $25 gap.
A forward payment forecast, not a lender quote. APR estimates use equal period lengths; actual daily interest and first-payment timing may differ. Enter only remaining principal and fees; exclude already-paid installments. Fees are due with the first payment. No late fees, new purchases or automatic budget carryover. Maximum 20 plans and 120 remaining payments each.
Frequently Asked Questions
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