💳 Split Payment Calculator Australia

Calculate exact instalment amounts for split payment plans. Supports BNPL-style (Afterpay, Zip), lay-by, and custom payment schedules with or without fees.

Split Payment Calculator

Total Purchase Amount ($AUD)

Payment Plan

Deposit / First Payment ($AUD)

Amount paid upfront (if applicable)

Fee Type

Fee Amount

Flat fee in AUD or percentage (e.g. 4 for 4%)

Late Payment Fee ($AUD per missed payment)

Applied to each instalment if missed

Payment Schedule

Total Purchase Amount$0.00

Deposit Paid Upfront$0.00

Remaining Balance$0.00

Number of Instalments0

Instalment Amount$0.00

Total Fees$0.00

Total Amount Paid$0.00

Payment #	Due Date	Amount	Cumulative Paid	Balance Remaining

Total Repayable Amount

$0.00

Deposit + Instalments + Fees

How Split Payments Work in Australia

Split payment services like Afterpay, Zip, and lay-by plans allow you to pay for purchases in instalments over time. Each plan has different fee structures, payment frequencies, and limits.

Afterpay: 4 payments, fortnightly. $10 late fee + $7 additional after 7 days. Max $2,000.
Zip Pay: Monthly minimum payments. $5.95 monthly account fee. Credit limit $350–$1,000.
Zip Money: For larger purchases. $7.95 monthly fee. Limits up to $5,000+.
Lay-by: Traditional retail lay-by with up to 8 weekly payments. No interest but may have admin fees.

Tips for Using Split Payments

Always check the total cost including all fees before committing
Set up automatic payments to avoid late fees (typically $10–$15 per missed payment)
Keep track of multiple BNPL accounts — missed payments can affect credit scores
Compare the cost of splitting vs. using a low-interest credit card

💳 Split Payment Calculator Australia