Money
BNPL plans
Track buy-now-pay-later commitments plan by plan, with installments that taper off naturally.
Plans within an account
A BNPL account (for example Klarna) is a parent for individual purchase plans. Each plan has its own purchase amount, number of installments, interest rate and start date, so a 3-month interest-free split and a 12-month financed purchase are modelled independently under the same provider.
When creating a plan you can link the purchase transaction, which fills the amount and date for you — and the reconciliation panel matches repayment transactions against your plans, so what you've actually paid lines up with what the plans expect.
| Account | Description | Purchase | Installments | Monthly | Rate |
|---|---|---|---|---|---|
| Klarna | Sofa | £900.00 | 4 / 12 left | £75.00 | 0% |
| Klarna | Phone | £720.00 | 9 / 12 left | £62.00 | 5.9% |
| Klarna | Jacket | £150.00 | 1 / 3 left | £50.00 | 0% |
Current monthly commitment: £187.00 — dropping to £137.00 next month when the Jacket plan completes.
How BNPL hits your cash flow
Your total monthly BNPL commitment is the sum of all active plans' installments. As plans complete they drop out of the total automatically, so cash flow and projections reflect the tapering nature of BNPL commitments — heavy now, lighter in three months — without you touching anything.