technofatty Questions, awkwardly answered.

Questions, awkwardly answered.

Money · Utility calculator

Buy Now Pay Later True Cost

See the true cost of a BNPL purchase if you miss a payment or carry it full term.

Instant result Plain-English why Copyable takeaway
Money Instant Result card

Utility calculator

Enter your details and the result updates without making a meal of it.

What this means

This calculates the total cost under three scenarios: paid perfectly, one payment missed, and carried for the full term with no payments made.

Formula used

cost_one_miss = price + late_fee + (balance x APR x days_late).

Worked example

£200 over 4 fortnightly instalments. Paid perfectly: £200. One miss: £207.72. Full term: £233.17.

Common questions

Can I use this internationally?
Yes. Currency selectors are display-only unless a tool explicitly says otherwise; no currency conversion is performed.

How exact is the result?
It follows the published Technofatty formula for this tool, but real life can add fees, rules, timing quirks, and context.

Plain-English summary

Paid perfectly: £200.00. One miss: £207.72 (+£7.72). Carried full term: £233.17 (+£33.17).

This section translates the result into a short, direct takeaway rather than leaving the page at a bare number.

Disclaimer: This calculator gives a general estimate only. It is not financial, legal, medical, employment, or professional advice.

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