Guide
One place for every Affirm, Klarna, Afterpay and Zip payment.
Buy now, pay later plans are easy to start and easy to lose track of. Budvo puts every installment in your plan and on your calendar, and counts it before telling you what's safe to spend.
Updated
Why BNPL is hard to keep track of
- Every provider has its own app, so there's no single list of what's due.
- Payments every two weeks don't line up with paydays, especially if you're paid twice a month.
- Autopay pulls from your checking account, and a payment that lands before your paycheck can mean a declined payment, a late fee or an overdraft.
- Small plans add up. Four $40 payments feel like nothing, until there are five plans running at once.
Common plan shapes
| Plan | How it usually works |
|---|---|
| Pay in 4 | Four equal payments, usually every two weeks, the first one at checkout. Often no interest. |
| Monthly installments | Longer plans paid monthly over several months or more. These can charge interest. |
Terms differ by provider and by purchase, so check the details of each plan when you add it.
How Budvo tracks BNPL
- Add a plan in seconds: the provider, the amount and the schedule. Affirm, Klarna, Afterpay, Zip, Sezzle, PayPal Pay in 4 and others are built in.
- Every installment lands in your paycheck plan and calendar, next to your bills and paydays.
- Safe to spend subtracts installments due before payday, so the number you see is money that's really free.
- Reminders before a payment is due, and a warning when one would take your balance below your buffer.
- Moving a payment is one edit, and everything after it reflows.
BNPL and your debt plan
Installments come first in every paycheck plan, alongside bills and minimum payments. Only what's left after them goes to your buffer, your goals and extra debt payments, so your debt payoff plan never counts money an installment is about to take.
Questions
Good to know
Which BNPL providers does Budvo support?
Affirm, Klarna, Afterpay, Zip, Sezzle and PayPal Pay in 4 are built in, and you can add any other plan by its amount and schedule.
Does Budvo connect to my Affirm or Klarna account?
No. You add each plan yourself in a few seconds, and Budvo never logs in to a provider. Your plans stay on your own server.
Do BNPL payments count in safe to spend?
Yes. Every installment due before your next payday is already spoken for, so safe to spend leaves it out.
What if a payment date changes?
Edit that one payment. Your paycheck plan, calendar and safe to spend update right away.
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