Reveals the hidden APR and predatory late fee costs behind 'Buy Now Pay Later' schemes.
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.
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.