BNPL Cost Calculator

Enter the item price, total fee, installment count and first-payment timing from your current offer. See the full schedule and a cash-flow-based effective annual rate.

Your current offerCash-flow APRLocal & free

Calculate BNPL True Cost

Remaining payments are modelled one month apart.
Total BNPL Cost (vs Upfront)
Per Installment
Total You Pay
Total Fee
Effective APR

Installment Schedule

Offer check: this assumes equal monthly payments and includes only the percentage fee entered above. Confirm the current contract for down payment, payment dates, taxes, late or missed-payment charges, collections, refund handling, credit reporting and any other condition.

Frequently Asked Questions

Cash-flow-based cost

Why first-payment timing changes the APR

A payment made at checkout reduces the amount actually financed. The calculator therefore removes that payment from the initial financed balance and solves the monthly rate from the remaining installments.

  • Total fee: item price multiplied by your entered fee percentage.
  • Installment: item price plus fee, divided equally by the installment count.
  • Effective APR: the solved monthly cash-flow rate compounded over 12 months.

The result is a planning comparison, not a provider quote or affordability decision. If the offer uses weekly dates, unequal payments, a deposit separate from the installments or additional charges, this monthly model will not reproduce it exactly.

Does a zero fee always mean zero cost?
The entered financing fee would be zero, but other contract costs may still apply. Check for taxes, account fees, delivery, missed-payment charges, collection costs and differences from the normal cash price.
Can BNPL affect a credit record?
That depends on the provider, contract and jurisdiction. Read the current privacy and credit-reporting terms to learn whether applications, balances, missed payments or defaults may be shared.
What should I compare with paying upfront?
Compare the total payable, payment dates, cash-price discounts you would lose, refund rules, missed-payment consequences and whether each installment fits without relying on new borrowing.