Financial Calculator

Can I afford this BNPL?

Check if 'Buy Now' really means 'Broke Later' by analyzing your cash flow.

Purchase Details

Describe the item and your current budget.

Purchase Amount$200

Total price of the item you want to buy.

Repayment Terms

Installments

Frequency

Monthly Surplus$500

Cash left over after bills & essentials.

Income Timing

Your Pay Cycle

How often do you get paid?

Affordability Check

Low Risk

You're Good

You're good! The $50 payment leaves you with $181 wiggle room per pay check.

Payment

$50/fortnight

Surplus

$181Left

Impact on Budget22% Utilized

Cash Flow Analysis

This tool breaks down your BNPL payments to match your pay cycle. It calculates your 'surplus' (money left after bills) and sees how much of that buffer is eaten up by the new debt.

The "Surplus" Rule

You shouldn't just look at if you have money in the bank today. You need to know if your future paychecks can cover the installments while still leaving room for life.

Timing Mismatches

A common trap is when BNPL payments (often weekly or fortnightly) don't align with your monthly pay, causing a cash crunch in between paychecks.