Buy now pay later calculator

Instalments, fees and the real cost.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Purchase

Instalments

Fees / late charges

Per instalment

$150

Total cost

$600

With these inputs, per instalment comes to $150. Total cost works out to $600.

What moves the number · Per instalment

Input	−10%	Now	+10%
Purchase	$135	$150	$165
Instalments	$166.67	$150	$136.36

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Instalments, fees and the real cost.

With the defaults above, per instalment works out at $150.