Total an entered checkout payment, evenly spaced later instalments, and plan fees, with a non-regulatory annualized cash-flow estimate when defined.
The calculator keeps the balance, rate convention, payment timing, fees, and term visible so you can reproduce the result and compare it with an actual offer or statement.
The cash-flow relationship
Place every amount at the correct time
Total paid = upfront payment + upfront fee + later instalment count × (instalment + per-instalment fee). The annualized estimate solves the equal-period cash flows, then scales the periodic rate by 365/interval days.
Visual explanation
What changes the borrowing result
StartPhase 1Phase 2Final payment / balanceTotal paid = upfront payment + upfront fee + later instalment count × (instalment + per-instalment fee). The annualized estimate solves the equal-period cash flows, then scales the periodic rate by 365/interval days.
Read the result in context
Use the estimate with its contract assumptions
A 400 purchase with 100 at checkout and three later 100 instalments every 14 days has no entered fees, total paid of 400, and a 0% cash-flow rate.
This models evenly spaced entered cash flows, not affordability, approval, lateness, refunds, reporting, or legal disclosures. Late, overdraft, insufficient-funds, merchant, and unentered fees are excluded. The annualized figure is a mathematical comparison estimate, not a regulated APR.
Quick guide
How to use this calculator
Enter the purchase, checkout payment, fees, and evenly spaced later instalments from one plan.
Keep checkout and later-payment timing aligned with the visible labels.
Use the total and annualized estimate only within the stated exclusions.
Calculation method
Calculation method
Total paid = upfront payment + upfront fee + later instalment count × (instalment + per-instalment fee). The annualized estimate solves the equal-period cash flows, then scales the periodic rate by 365/interval days.
Entered amounts use exact fixed-decimal arithmetic. The periodic rate reuses the bounded non-regulatory cash-flow solver and is annualized only after solving the entered interval.
Worked example
Worked example
A 400 purchase with 100 at checkout and three later 100 instalments every 14 days has no entered fees, total paid of 400, and a 0% cash-flow rate.
Total paid = upfront payment + upfront fee + later instalment count × (instalment + per-instalment fee). The annualized estimate solves the equal-period cash flows, then scales the periodic rate by 365/interval days.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, later instalments at 1,200, intervals at 365 days, annualized estimates at 1000%, and fixed decimals at 12 places.
Estimate, not approval or advice
The result does not determine affordability, eligibility, product safety, credit reporting, disputes, refunds, or the consequences of a missed payment.
International scope
No currency, country, lender policy, tax, credit-reporting rule, consumer protection, or regulated APR method is assumed.
Calculator-specific assumptions
This models evenly spaced entered cash flows, not affordability, approval, lateness, refunds, reporting, or legal disclosures. Late, overdraft, insufficient-funds, merchant, and unentered fees are excluded. The annualized figure is a mathematical comparison estimate, not a regulated APR.
