The BNPL Debt X-Ray.
Five little payments can become one big obligation. Bring your installments together and estimate how they affect your next 90 days.
Add a payment plan
Track purchases from any provider.
Tracked purchases
Your obligations, no matter which app they're in.
One clear picture
Aggregated from every plan you've entered.
Percentage paid and outstanding
The next six weeks
Upcoming unpaid installments grouped by week.
Only unpaid installments due from today are included in this chart. Past-due items are flagged separately.
Your cash-flow assumptions
Optional estimates for a 90-day projection.
Your next 90 days, together.
Watch for days when upcoming payments and bills push cash below your chosen reserve.
| Date | Paycheck | Essentials | BNPL due | Projected balance |
|---|
Forecast starts from today's entered balance. Same-day net totals are grouped; actual bank posting order may differ. Past-due unpaid installments are not silently treated as future payments. Values are educational estimates, not overdraft or credit-risk predictions.
How to read your results
The full price still matters
The sum of all installments equals the original purchase prices in this simplified equal-payment model.
Stacking changes the picture
Several plans may seem small separately. The 14-day total and six-week chart reveal overlapping commitments.
Forecasts depend on inputs
Only the paydays, bills and BNPL plans you enter are considered. Add margin for irregular expenses and surprises.
Does this calculate my actual BNPL bill?
No. It assumes equal installments on weekly, biweekly or monthly dates. Providers may use different schedules, deposits, additional charges or variable terms. Confirm due dates and amounts in your lender app.
Will changing currency convert the numbers?
No. Currency selection changes the label only; it does not fetch exchange rates. Track only one currency at a time, or convert values independently before entering them.
Does this predict overdraft fees?
No. It marks projected end-of-day balances below your reserve but cannot know your bank's posting order, overdraft terms or unrecorded transactions.
Why can small installments feel so affordable?
Explore the banking and payment incentives behind everyday borrowing in our published investigations.