Buy Now Pay Later Calculator

Use our Buy Now Pay Later Calculator to see what a pay-later plan really costs.

Enter the purchase price, any down payment at checkout, how many installments follow and how often — weekly, every two weeks or monthly — and the plan’s fees: an upfront fee, a fee on each installment and any late fees you expect.

The calculator shows each installment, what is due at checkout, when the last payment falls, the total fees and the total cost, and turns the fees into an APR so you can compare the plan with other credit.

A plan advertised as interest-free can still cost more than the price.

You can also find the most you can spend for an installment you can afford, and see every payment in the schedule. To see what putting the purchase on a credit card would cost instead, use our Credit Card Calculator; to compare the APR of a loan with its fees, our True APR Calculator.