Each of 4 payments
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Free · Instant · No signup
Afterpay Installment Cost Calculator
US Afterpay Pay in 4 is typically 0% interest when installments are on time. This page splits the order into four payments and lets you add a late fee you were actually charged.
Page updated 2026-09-14.
Calculator
Calculated Results
Shopper total with late fees
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Seller Afterpay fee
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Seller net if fee applies
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Four payments, sticker price, optional late add-on
Installment = order / 4. Shopper total = order + late fees you enter. Seller fee is a parallel merchant calculation and does not raise the $30 default installment.
Default $120 is four $30 payments. Klarna Pay in 4 lives on Klarna BNPL Cost Calculator.
Seller 6% + $0.30 is Square-shaped
If you sell through Square Afterpay, a common published seller rate is 6% + $0.30. On $120 that is $7.50, seller net $112.50. Other gateways differ. Set both seller fields to 0 when you are only checking shopper payments.
Not a credit-limit API
Afterpay approval, available spend, and in-store QR are account checks. This page never talks to Afterpay.
Affirm longer terms with APR belong on the Affirm calculator, not in the late-fee box.
Frequently Asked Questions (FAQ)
What is the default $120 schedule?
Four payments of $30.00. If late fees are $0, the shopper total stays $120. Afterpay is not accruing APR on that path when you pay on time.
Why is late fee an input instead of a formula?
US Afterpay late fees depend on state caps and whether the installment was missed. Inventing $10 every time would be wrong for many users. Paste the fee Afterpay assessed.
Does the seller fee change my installment?
No. The 6% + $0.30 style fee is charged to the merchant. The shopper still owes four equal pieces of the sticker price unless late fees apply.
Is Sezzle or Klarna the same math?
Four-payment 0% is similar, but late-fee tables and merchant rates differ. Use the Klarna page for Klarna APR financing. Do not reuse Afterpay late fees there.
You might also need
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Klarna BNPL Cost Calculator Pay in 4 schedule at 0% APR versus longer Klarna financing with simple interest, plus optional merchant fee. -
Affirm Installment Interest Calculator Monthly Affirm payment, total interest, and total paid from purchase amount, APR, and term months. -
Square Invoice Fee Calculator Net on a Square invoice after Free-plan card 3.3% + $0.30 or ACH 1% ($1 minimum). -
PayPal Fee Calculator Exact net, gross, and invoice amount after PayPal fees.