Buy-Now-Pay-Later Debt Consolidation Tracker

Each plan felt small at checkout. That is the design. Four payments here, six there, a “no interest!” there — until five apps each take their cut every two weeks and the month collapses. This tracker ends the scatter: every Klarna, Afterpay, Affirm, Sezzle and PayPal Pay in 4 plan goes on ONE stack, and the stack tells the truth — what you still owe in total, how many payments are left, what one full round costs, and what that means per month against a cap YOU set.

What it does for you:
– Start Here — 5-minute setup: monthly take-home pay and your BNPL budget cap — the Dashboard flags red when the stack’s estimated monthly cost crosses it.
– BNPL Plan Stack — every plan by provider and store: Per-Payment, Still Owed, Payments Left and Status (Active / Paid Off) calculate themselves.
– One full round — the stack totals what a single round of every active plan costs you, and doubles it into an honest monthly estimate.
– Payment Log — log each payment as you make it; update Paid So Far in the stack and watch Still Owed fall plan by plan.
– Expense Log — log everyday spending once (BNPL Payments is its own category); the budget reads it automatically.
– Monthly Budget — zero-based monthly budget; Actual pulls from the Expense Log by itself.
– Dashboard — total still owed, plans active, payments left, estimated monthly cost vs your cap, at a glance.
– Monthly Summary — 12 months of BNPL payments in one view.
– Sample rows pre-filled (8 plans across 5 providers: $1,591 of purchases, $1,067.75 still owed, 27 payments left) so every formula works the moment you open it; formula cells are locked (password disclosed in Start Here) and every formula is error-wrapped. A tracking tool, not financial advice. Provider names are used only to label your own plans; this product is not affiliated with any of them.

What’s inside (.xlsx, works in Excel AND Google Sheets): Start Here · BNPL Plan Stack · Payment Log · Expense Log · Monthly Budget (zero-based) · Dashboard · Monthly Summary (12 months).

Instant download. No shipping, no waiting. Message us if you need help setting it up — we answer fast.