General information, not financial advice
Buy now, pay later planner: every payment on one calendar
Several pay-later plans at once are easy to lose track of. Add each purchase, and see every instalment by date, the total due each week and month, and a warning when payments pile up in the same week.
Your purchases
Example purchases: add your own and these go away.
- Winter coat120.00 · Pay in 4 · from Fri 27 Nov 20264 payments of 30.00 · late fee you entered: 6.00
- Games console449.99 · Pay in 3 · from Mon 30 Nov 20263 payments of 149.99 (first 150.00)
- Gift bundle65.00 · Pay in 30 · from Tue 1 Dec 20261 payment of 65.00
Payment calendar
- Total to pay
- 634.99
- Payments
- 8
- Busiest week
- 215.00from Mon 28 Dec
- Last payment
- Sat 30 Jan 2027
- Week of Mon 28 Dec 2026: 215.00 is over your weekly budget of 200.00.
- Week of Mon 28 Dec 2026: payments from Games console, Gift bundle fall in the same week, 215.00 in total.
Late fees you entered: Winter coat 6.00 per missed payment. Check each plan’s terms for the exact rules.
November 2026180.00
| Date | Payment | Amount |
|---|---|---|
| Winter coatPay in 4, payment 1 of 4 | 30.00 | |
| Games consolePay in 3, payment 1 of 3 | 150.00 |
December 2026275.00
| Date | Payment | Amount |
|---|---|---|
| Winter coatPay in 4, payment 2 of 4 | 30.00 | |
| Winter coatPay in 4, payment 3 of 4 | 30.00 | |
| Games consolePay in 3, payment 2 of 3 | 150.00 | |
| Gift bundlePay in 30, payment 1 of 1 | 65.00 |
January 2027179.99
| Date | Payment | Amount |
|---|---|---|
| Winter coatPay in 4, payment 4 of 4 | 30.00 | |
| Games consolePay in 3, payment 3 of 3 | 149.99 |
Total due each week
| Week starting (Monday) | Payments | Total |
|---|---|---|
| Mon 23 Nov 2026 | 1 | 30.00 |
| Mon 30 Nov 2026 | 1 | 150.00 |
| Mon 7 Dec 2026 | 1 | 30.00 |
| Mon 21 Dec 2026 | 1 | 30.00 |
| Mon 28 Dec 2026 | 2 | 215.00 |
| Mon 4 Jan 2027 | 1 | 30.00 |
| Mon 25 Jan 2027 | 1 | 149.99 |
How the planner works
Each plan follows its generic shape: pay in 4 splits the price into four payments, the first on the purchase date and then every 14 days; pay in 3 takes three monthly payments on the purchase date’s day of the month, or the month’s last day when it is shorter (a 31 January purchase pays on 28 or 29 February); pay in 30 takes the whole amount 30 days later. Odd cents go on the first payment so the parts add up exactly. Your own plan’s dates may differ: its terms win.
The planner flags two plans due on the same day or in the same week (Monday to Sunday), and any week over your budget. It does no interest or APR maths, and late fees are whatever you type in from your plan’s terms. The .ics file adds each payment as a calendar event with a reminder the day before.
The rules in 2026
UK: the FCA started regulating deferred payment credit, often called buy now pay later, on 15 July 2026. For agreements made since then with a lender separate from the shop, lenders must check you can afford to repay, give key information first (including late fees), contact you about missed payments and help if you are struggling, and you can take complaints to the Financial Ombudsman Service. Agreements made before 15 July 2026 stay unregulated.
US: the CFPB withdrew its 2024 interpretive rule that treated many BNPL lenders as card issuers, with effect from 12 May 2025.
Questions
Is buy now, pay later regulated in the UK?
Yes, since 15 July 2026, for interest-free plans of 12 or fewer instalments over 12 months or less from a lender separate from the shop. Older agreements are not covered.
Does this planner work out interest?
No. These plan types are interest-free if paid on time, and late fees differ by provider, so you enter your own plan’s fee.
Is my plan saved?
Yes, in this browser’s local storage only. Nothing is sent anywhere, and Clear all deletes it.
Sources
- FCA, Buy now pay later (last updated 6 August 2026): regulation of deferred payment credit from 15 July 2026.
- CFPB, Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal, Federal Register document 2025-08286 (12 May 2025), withdrawing Use of Digital User Accounts to Access Buy Now, Pay Later Loans, 89 FR 47068.
Checked on 2 November 2026. General information, not financial advice.