Buy Now Pay Later Tracker Spreadsheet, BNPL Payment Schedule and Debt Planner, Pay in 4 Tracker for Google Sheets and Excel

A buy now pay later tracker for anyone with pay-later plans spread across several apps and stores, and no clear idea what comes out next week. Type each purchase once and every payment date, what is left and the day you are debt-free fill in.

🔗 TRY THE LIVE DEMO before you buy (view only, nothing to install): https://docs.google.com/spreadsheets/d/1bHMXlw2HS0Z0Iia-HwWMe39djqga7KrxWBRdDwg9szw/edit?gid=598853330

📊 WHAT IT DOES

✓ Plans: one row per purchase with the store, the total, the number of payments, how often you pay and the first payment date.
✓ Each plan shows the payment amount, how many are paid (like 2 of 4), what is left to pay and the next due date.
✓ Payments count as paid when their date passes. Mark a plan Missed one, Returned or Paid off when that happens.
✓ Payments: every payment coming up across all your plans, the next one first, with a countdown and a running total.
✓ Due soon and last payment notes, so you see what is coming before it hits your account.
✓ Months: what your plans take from each month against your take-home pay and a monthly limit you set.
✓ Debt-free day: the date of your very last payment.
✓ Weekly, biweekly or monthly plans of up to 24 payments. Works with any pay-later app or store plan.
✓ Three charts: left to pay by purchase, due each week for the next 8 weeks, and due each month against your limit.

📂 WHAT'S INSIDE: 4 TABS AND 3 CHARTS

✓ Start here: your take-home pay, your monthly limit and how many days ahead to warn you
✓ Plans: four cards and every purchase
✓ Payments: four cards and the next 30 payments
✓ Months: four cards and twelve months against your limit

📝 HOW IT WORKS

1. Open the PDF and click the link to make your own copy in Google Sheets. Or open the Excel file.
2. On Start here, type your take-home pay and a monthly limit for plans.
3. On Plans, add each purchase: the total with any fees, the number of payments, how often and the first payment date.
4. Open Payments for what is due next, and Months for what each month takes from your pay.

📥 WHAT YOU GET

✓ Google Sheets version (the link is in the PDF)
✓ Excel version (.xlsx) for desktop Excel 2016 or newer and Microsoft 365, on Windows or Mac
✓ A filled example to look around, and a blank copy for your own plans
✓ A PDF guide with screenshots, the links and the first steps
✓ A video guide for this spreadsheet (the link is in the PDF)

💻 GOOD TO KNOW

✓ Works with a free Google account. No app, no ads, no subscription.
✓ Room for 30 purchases of up to 24 payments each.
✓ Nothing connects to an app or a bank: you type each plan once. Not affiliated with any pay-later company.
✓ Formulas are protected, so you can't break anything by accident.
✓ Set it up on a computer in a few minutes. After that, the Google Sheets app works for quick entries on your phone.
✓ The photos show Google Sheets. The Excel file has the same tabs and formulas.
✓ Free updates for life.

This is a digital download, so nothing is shipped. If anything is unclear after you buy, message me and I'll help you set it up.