Get the complete analysis of BNPL’s hidden costs and discover better ways to buy what you want without the debt trap.
They promise “interest-free” payments, but what’s the real cost?
💳 You have 4+ payment schedules to track
😵💫 You’ve lost track of what you owe to whom
💸 You use BNPL for groceries or basic necessities
🚨 You’ve paid late fees or missed payments
🛍️ You buy things just because BNPL is available
Sound familiar? You’re not alone – and it’s not your fault.
⚠️ You use BNPL for necessities like groceries or gas
⚠️ You have active payments with 3+ services at the same time
⚠️ You’ve missed or been late on BNPL payments
⚠️ You buy things just because BNPL is available
⚠️ You can’t remember all your current BNPL commitments
⚠️ BNPL payments are over 10% of your monthly income
Calculate your true BNPL costs including hidden fees and overspending triggers
Assess your BNPL dependency and understand psychological spending triggers
Practical systems to buy what you want without debt or payment stress
Step-by-step plan to pay off current BNPL debt and avoid future temptation
Join 2,100+ people who’ve broken free from BNPL dependency
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⏰ Every BNPL purchase is costing you more than you think. Calculate your true costs now and start saving instead!
As financial coaches, we’ve seen too many clients trapped in BNPL cycles without realizing the true cost. This calculator reveals the hidden fees, psychological triggers, and opportunity costs that BNPL companies don’t want you to calculate. It’s time to make informed decisions about your money.
Get a crystal-clear picture of where your money goes each month, even if budgeting feels overwhelming. This free worksheet is your first step toward less stress and more control.
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