Enter your purchase total and instantly see your 4 payments, exact due dates, and total interest cost — always $0 when you pay on time.
* Compared to a 24% APR credit card minimum payment scenario over the same period. Pay in 4 is available for purchases $35–$2,000. Approval is not guaranteed. Late fees may apply if payments are missed.
For larger purchases ($400–$4,000), Afterpay offers 6 or 12-month plans. These may carry interest based on your creditworthiness.
Type the total price of what you want to buy, or drag the slider. Afterpay Pay in 4 covers purchases from $35 up to $2,000.
The calculator instantly divides your total into 4 equal payments and shows the actual calendar dates each payment will be charged.
When you pay on time, your total cost equals your purchase price. No interest, no hidden fees — the calculator confirms this automatically.
Make sure you have enough funds in your linked account on each due date. A missed payment triggers a late fee of up to 25% of the purchase.
💡 Pro Tip: Afterpay allows you to reschedule one payment per order, for free, inside the app. Use this if an unexpected expense is coming up around a payment date.
| Factor | Pay in 4 | Pay Monthly |
|---|---|---|
| Purchase Range | $35 – $2,000 | $400 – $4,000 |
| Repayment Period | 6 weeks | 6 or 12 months |
| Interest | 0% (always) | 0%–35.99% APR |
| Late Fees | Up to 25% | None |
| Best For | Everyday shopping | Big-ticket items |