Compare ways to pay
for a purchase

• One model month is exactly 30 days. Money is added on days 30, 60…720. On the same day, the order is: add monthly money, pay the unexpected expense, then make the purchase or debt payment. Real paydays and due dates differ.
• Card · fixed and minimum: on each day 30, 60… interest is opening debt × annual rate ÷ 12, rounded half-up to the nearest cent, then the account fee is added. This approximates monthly interest; real cards commonly calculate interest daily. It excludes grace periods, residual interest, different transaction rates and new spending.
• Example minimum: the greater of the chosen dollar floor or percentage of debt after that month’s interest and fee, capped at that debt. The percentage is rounded up to a cent. Real minimum rules differ; use your statement. Paying the minimum may take a long time or allow debt to grow.
• Card · full bill: no interest is charged because an eligible interest-free purchase is assumed, with no carried balance or cash advance. The full first bill is due on day 30. This is not a claim that paying a bill always removes interest. Check the contract, eligibility and due date.
• Card fees: the entered monthly account fee is charged every model month for all card routes, even after the purchase balance is repaid, through month 24 unless the projection stops. Annual fees, late fees, foreign transaction fees and other charges are excluded. Actual products use different fees.
• Four instalments: price plus the entered total fee is divided into four payments on days 0, 14, 28 and 42. Any extra cents go to the earliest payments. The full fee is charged once when the purchase starts, so it is part of debt until repaid. No interest, subscription or late fee is modelled. Actual BNPL schedules and costs differ.
• A shortfall stops that path. We do not invent an overdraft, missed-payment response, default, collection action or replacement loan. The stop-day debt is still owed. Future consequences are not estimated.
• Wait and save: buy as soon as available money covers the price, after any expense that day. Price changes and savings interest are excluded. No purchase is claimed if the money is not saved by day 720.

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You do not need to enter real income, balances or other personal financial information. Use made-up amounts on a shared device. “Reset all amounts” clears this page’s current inputs and results. You can leave through the Care Continuity link at any time. A supporter should explain choices without taking over or asking for private financial information.

Review status: this is English v2.0-rc.2, prepared 27 October 2026. Automated arithmetic and browser checks are documented in the release package. Independent human financial review, disability-led comprehension testing and assistive-technology review have not been completed. No ASIC endorsement, lender affiliation or WCAG conformance is claimed. Provisional translations are held outside this page for review.