Buy Now Pay Later

Buy Now Pay Later Calculator

Work out the real cost of pay-in-4 (Afterpay-style), ongoing account-fee BNPL (Zip-style), and interest-free store finance — including what happens if a balance is left when the interest-free period ends. Nothing you type here leaves your browser — your inputs are saved to this browser only, so they're still here next time you visit.

The purchase

Afterpay/Humm-style — 25% now, then 3 more instalments a fortnight apart

Purchase price ($)

$200.00

Cash price, if the merchant discounts for paying upfront ($, optional)

Leave blank if there's no cash discount on offer.

First instalment date

Usually the day you buy.

If an instalment is paid late

Most pay-in-4 providers charge a flat fee per missed instalment

Late fee per missed instalment ($)

Instalments paid late (of the 3 after the first)

What your spare cash earns

Paying in 4 keeps money in your account for a few weeks longer than paying cash today — this is what that's worth, so "pay cash" isn't unfairly compared as if idle cash were worthless.

Rate (% p.a.)

What kind of rate is this?

Leave the rate at 0 if you're not sure — the benefit of paying in 4 is usually small either way.

Results

Each instalment $50.00

Instalment 1 due 19/07/2026

Instalment 2 due 02/08/2026

Instalment 3 due 16/08/2026

Instalment 4 due 30/08/2026

Total if all paid on time $200.00

Late fees $0.00

Benefit of keeping your cash a little longer $0.00

Cash after discount $200.00

If you choose pay in 4, you pay in total $200.00

Estimated winner: tie — both cost the same.

Pay-in-4's total nets the on-time/late-fee total against the small benefit of holding your cash for the extra weeks pay-in-4 gives you, at the rate you entered above. Cash today has no such benefit, since it's paid immediately and in full. Estimates only, not financial advice.

The purchase

Zip-style — no interest, but an ongoing account fee while you owe a balance

Amount financed ($)

$300.00

Cash price, if the merchant discounts for paying upfront ($, optional)

Establishment fee ($, optional)

Monthly account fee ($)

$6.00

Charged every month you still owe a balance. Pre-filled with an example fee — last verified 14/07/2026.

Your repayment plan (months to pay it off)

Repayment frequency

Results

Monthly repayment $100.00

Account fees over the plan $18.00

Establishment fee $0.00

Total cost of financing (fees, no interest) $18.00

Your true cost rate (what these fees work out to per year) 41.45%

There's no interest rate here — the "true cost rate" is the account fee re-expressed as a yearly percentage, so it can be compared like-for-like with an interest rate elsewhere. Small fees on a small balance over a short plan can work out to a surprisingly large number.

#	Date	Payment	Interest	Principal	Balance
1	19/08/2026	$100.00	$0.00	$100.00	$200.00
2	19/09/2026	$100.00	$0.00	$100.00	$100.00
3	19/10/2026	$100.00	$0.00	$100.00	$0.00

Assumes you pay it off evenly over your chosen plan with no missed payments. Estimates only, not financial advice.

BNPL providers have been regulated as low-cost credit under the National Credit Code since mid-2025 — providers must be licensed and fees are capped. Check your provider's current terms; this tool doesn't assume any particular cap or fee structure for you.