Buy Now Pay Later Calculator

BNPL total cost comparison: Affirm, Klarna, Afterpay.

Purchase price ($)

Number of installments

Annual interest rate (%)

Late fee per missed ($)

Expected missed payments

Merchant discount rate (%)

Tab to move between fields

Payment per installment

$125.00

Total consumer cost

$500.00

Effective APR (%)0%

Total interest paid$0.00

Total late fees$0.00

First payment due$125.00

Merchant BNPL fee$29.95

Merchant net revenue$470.05

How to Use This Calculator

Enter Purchase price ($), Number of installments, and Annual interest rate (%).
Set Late fee per missed ($), Expected missed payments, and Merchant discount rate (%).
Review Payment per installment ($) and Total consumer cost ($).
Use Effective APR (%) (%) and Total interest paid ($) to inform your decision.

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