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Loading your BNPL snapshot...
Add your plans below to see the full picture
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Total Owed
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Total Committed
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All BNPL plans
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Monthly Drain
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BNPL payments per month
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Active Plans
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Running right now
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All Clear By
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Last payment date
🎯 Your Next Move
Add your BNPL plans below to get your reality check.
🛍️ Your BNPL Plans
Add each plan — store/app, total amount, installment amount, and payments remaining
📊 BNPL vs Cash
What if you'd paid cash instead of splitting into installments?
📅 Payment Calendar
Every upcoming BNPL payment — when it hits and how much
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True Cost Analysis
BNPL feels free — but late fees and missed payment penalties add up fast
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Overspend Alerts
Are your BNPL commitments eating too much of your monthly budget?
Monthly BNPL Drain
Commitment by Provider
Plan Size Breakdown
Remaining Balance Over Time
BNPL Tracker Report
Vault & Vessel Studio ·
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How To Use
Track every BNPL plan in one place — see what you really owe and when you'll be free
🚀 Getting Started
1
Add Your BNPL Plans
Store name (Afterpay, Klarna, etc.), total purchase amount, installment amount (what you pay each time), and how many payments are left.
2
See the Full Picture
Total owed across all plans, monthly drain (how much leaves your account for BNPL each month), and when your last payment clears.
3
Check Your Alerts
If your monthly BNPL payments exceed 10% of typical take-home pay, you'll see overspending warnings with suggestions.
4
Break the Cycle
Use the calendar to see when each plan ends. Stop adding new plans until current ones clear. That's the exit strategy.
📊 Terms Made Simple
BNPL (Buy Now Pay Later): Services like Afterpay, Klarna, Affirm that split purchases into installments. Feels free, but it's debt — you owe the money until it's all paid.
Late Fee: Miss a BNPL payment and most services charge $5-$15 per missed installment. Some also report to credit bureaus, which hurts your credit score.
Monthly Drain: The total of all your BNPL installments due in a given month. This is real money leaving your account on autopilot.
Installment: Each scheduled payment in a BNPL plan. Usually 4 payments over 6-8 weeks (Afterpay/Klarna) or monthly for 3-36 months (Affirm).
Commitment Total: Everything you still owe across ALL BNPL plans combined. This is the number most people don't know — and it's usually higher than they think.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a tracking and awareness tool, not financial advice. BNPL terms, fees, and policies vary by provider. Check your specific plan terms for exact details.