Quick Summary: BNPL True Cost

Buy Now Pay Later (BNPL) services often market themselves as interest-free, but they hide costs in processing fees and high flat-rate late penalties. A missed ₹500 payment with a ₹250 late fee translates to a massive flat rate (or over 790% compounded APR). Use this tool to see the real XIRR of your 'pay later' purchases.

How to use the BNPL True Cost

  1. Enter Purchase Price

    Input the sticker price of the item you bought.

  2. Input Fee & Surcharge

    Enter any processing fees or platform charges paid upfront.

  3. Simulate Late Fee

    Check the impact of a single late payment on the effective interest rate.

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Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.