try the numbers yourself
Tools
Built by me, in JavaScript. Type your own numbers and see what actually happens, instead of taking anyone's word for it.
Live tool
Buy-now-pay-later true cost
See the real schedule and what one missed payment does to an "interest-free" deal.
£6 is only an example. Type the late fee your lender tells you before you agree.
your schedule
£90.00, pay in 3 (every 30 days)
- Today£30.00
- In 30 days£30.00
- In 60 days£30.00
Miss one payment+£6.00 (6.7%)
These deals are interest-free, but a late fee still costs you. For deals covered by the rules that started on 15 July 2026, the lender must tell you how much any late fee will be before you agree. Source: FCA
being built
On the way
tested by me, no sponsors
Apps worth knowing
Bank account
Monzo
- Can you use it?
- 16–17 account
- What it costs
- Free
Seeing exactly where your money goes
Easy to spend from your phone in two taps
Source for age and cost: Monzo's 16–17 account pageI don't take money from any app. Ages and fees change; check the app's own page before you sign up.