Calculator

See your payments before checkout

Set the order total, pick a plan, and check the real dates against your next two paydays. Nothing here signs you up for anything.

Purchase amount

$1,200

$200$5,000

Choose a plan

3 payments of

$400.00 each

Interest-free — nothing extra added

Total you pay$1,200

Your first payment is taken at checkout and the rest are charged automatically to your card.

Reading the result

What each plan does to the same order

The same $1,200 order, four ways. Interest-free plans cost exactly the order total; financing figures are shown before any rate.

Plan	Payments	First payment	Cleared by	Added cost
Pay in 3	3 × $400.00	At checkout	Month 2	None
Pay in 4	4 × $300.00	At checkout	Month 3	Small service fee
6 months	6 × $200.00	Month 1	Month 6	Rate at checkout
12 months	12 × $100.00	Month 1	Month 12	Rate at checkout
36 months	36 × $33.33	Month 1	Month 36	Rate at checkout

Figures rounded for illustration. The calculator above uses your own total and today's date.

Using it well

Four things worth checking, not just the payment size

The monthly figure is the least interesting number on the screen.

The dates, against your paydays

Two payments in the week before you get paid is the single most common cause of a missed installment. What happens if you are late →

What else is already running

This calculator shows one plan. Add anything else you have open before deciding. Counting the total →

Whether the term matches the item

A 36-month plan on something you will replace in a year is a long commitment. See financing terms →

Your available limit

A plan you cannot be approved for is not a plan. How limits work →

The shortest plan you can afford

Pay in 3 finishes in two months at 0%. Longer is not automatically better.

The total, not the instalment

On any plan with a rate, the number that matters is what you pay in the end.

This is a preview, not a quote. Interest-free plans cost exactly the order total when paid on time. For financing of 6 to 36 months, your banking partner presents the full APR, term and total cost at checkout for you to review before you agree.

See financing terms

Questions

Calculator FAQ

How the figures are worked out.

How is the payment schedule calculated?+

Pay in 3 and Pay in 4 take the first payment at checkout and then charge the rest monthly. Monthly financing takes the first payment a month after the order. The calculator uses the real dates from today so you can check them against your paydays.

Are these figures exact?+

They are exact for the interest-free plans, where the total never changes. For financing of 6 to 36 months the figures are shown before any rate, because the APR depends on the plan and your profile and is presented at checkout.

Does the Pay in 4 fee appear in the calculator?+

The service fee is calculated on your order total and shown at checkout rather than estimated here, so the Pay in 4 figures show the split before that fee is added to the first installment.

Can I use this to decide between plans?+

That is what it is for. Switch between plans with the same order total and compare both the payment size and the dates each one lands on.

Does using the calculator apply for anything?+

No. Nothing here creates an account, runs a check or commits you to anything. It is a schedule preview.

What if my order is above $5,000?+

That is outside the range we support. The calculator caps at $5,000 for that reason.