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Loading your BNPL snapshot...
Add your plans below to see the full picture
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Total Owed
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Total Committed
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All BNPL plans
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Monthly Drain
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BNPL payments per month
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Active Plans
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Running right now
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All Clear By
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Last payment date
🎯 Your Next Move
Add your BNPL plans below to get your reality check.
🛍️ Your BNPL Plans
Add each plan — store/app, total amount, installment amount, and payments remaining
📊 BNPL vs Cash
What if you'd paid cash instead of splitting into installments?
What this means in plain English
Add your BNPL plans above — store name, installment amount, and payments remaining. We'll show you exactly how much is draining from your account each month and when you'll finally be clear.
What you should do next
- Enter your active BNPL plans above to get a specific payoff plan and advice on what to do next.
Track your BNPL payoff progress month by month with Pro
Save your plans and watch your monthly drain shrink as each one closes out. Get notified when a plan is about to auto-renew or when your clear date changes.
💾 Save your plans📅 Payment calendar📉 Drain tracker🎯 Payoff planner
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📅 Payment Calendar
Every upcoming BNPL payment — when it hits and how much
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True Cost Analysis
BNPL feels free — but late fees and missed payment penalties add up fast
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Overspend Alerts
Are your BNPL commitments eating too much of your monthly budget?
Monthly BNPL Drain
Commitment by Provider
Plan Size Breakdown
Remaining Balance Over Time
BNPL Tracker Report
Vault & Vessel Studio ·
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How To Use
Track every BNPL plan in one place — see what you really owe and when you'll be free
🚀 Getting Started
1
Add Your BNPL Plans
Store name (Afterpay, Klarna, etc.), total purchase amount, installment amount (what you pay each time), and how many payments are left.
2
See the Full Picture
Total owed across all plans, monthly drain (how much leaves your account for BNPL each month), and when your last payment clears.
3
Check Your Alerts
If your monthly BNPL payments exceed 10% of typical take-home pay, you'll see overspending warnings with suggestions.
4
Break the Cycle
Use the calendar to see when each plan ends. Stop adding new plans until current ones clear. That's the exit strategy.
📊 Terms Made Simple
BNPL (Buy Now Pay Later): Services like Afterpay, Klarna, Affirm that split purchases into installments. Feels free, but it's debt — you owe the money until it's all paid.
Late Fee: Miss a BNPL payment and most services charge $5-$15 per missed installment. Some also report to credit bureaus, which hurts your credit score.
Monthly Drain: The total of all your BNPL installments due in a given month. This is real money leaving your account on autopilot.
Installment: Each scheduled payment in a BNPL plan. Usually 4 payments over 6-8 weeks (Afterpay/Klarna) or monthly for 3-36 months (Affirm).
Commitment Total: Everything you still owe across ALL BNPL plans combined. This is the number most people don't know — and it's usually higher than they think.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a tracking and awareness tool, not financial advice. BNPL terms, fees, and policies vary by provider. Check your specific plan terms for exact details.