{"id":760,"date":"2026-08-17T11:06:00","date_gmt":"2026-08-17T11:06:00","guid":{"rendered":"https:\/\/www.stockmaster.in\/universe\/?p=760"},"modified":"2026-08-17T11:07:57","modified_gmt":"2026-08-17T11:07:57","slug":"bnpl-debt-payoff-calculator-australia","status":"publish","type":"post","link":"https:\/\/www.stockmaster.in\/universe\/bnpl-debt-payoff-calculator-australia\/","title":{"rendered":"BNPL Debt Payoff Calculator Australia"},"content":{"rendered":"<div id=\"bnpl-au-calculator\">\r\n\r\n  <div class=\"bnpl-au-container\">\r\n\r\n    <div class=\"bnpl-au-hero\">\r\n\r\n      <div class=\"bnpl-au-badge\">\r\n        AUSTRALIA BNPL CALCULATOR\r\n      <\/div>\r\n\r\n      <h2>BNPL Debt Payoff Calculator Australia<\/h2>\r\n\r\n      <p>\r\n        Estimate how long it may take to pay off your Buy Now, Pay Later\r\n        debt and see how extra payments could help you become debt-free sooner.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n\r\n    <div class=\"bnpl-au-main\">\r\n\r\n\r\n      <!-- INPUT PANEL -->\r\n\r\n      <div class=\"bnpl-au-input-panel\">\r\n\r\n        <h3>Your BNPL Debt<\/h3>\r\n\r\n\r\n        <div class=\"bnpl-au-field\">\r\n\r\n          <label for=\"bnpl-au-balance\">\r\n            Total BNPL Balance\r\n          <\/label>\r\n\r\n          <div class=\"bnpl-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"bnpl-au-balance\"\r\n              value=\"3000\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bnpl-au-field\">\r\n\r\n          <label for=\"bnpl-au-accounts\">\r\n            Number of BNPL Accounts\r\n          <\/label>\r\n\r\n          <input\r\n            class=\"bnpl-au-normal-input\"\r\n            type=\"number\"\r\n            id=\"bnpl-au-accounts\"\r\n            value=\"2\"\r\n            min=\"1\"\r\n            step=\"1\"\r\n          >\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bnpl-au-field\">\r\n\r\n          <label for=\"bnpl-au-payment\">\r\n            Current Monthly Repayments\r\n          <\/label>\r\n\r\n          <div class=\"bnpl-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"bnpl-au-payment\"\r\n              value=\"300\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bnpl-au-field\">\r\n\r\n          <label for=\"bnpl-au-extra\">\r\n            Extra Monthly Payment\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"bnpl-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"bnpl-au-extra\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bnpl-au-field\">\r\n\r\n          <label for=\"bnpl-au-fee\">\r\n            Estimated Monthly Fees\r\n            <small>Optional<\/small>\r\n          <\/label>\r\n\r\n          <div class=\"bnpl-au-input-wrap\">\r\n\r\n            <span>$<\/span>\r\n\r\n            <input\r\n              type=\"number\"\r\n              id=\"bnpl-au-fee\"\r\n              value=\"0\"\r\n              min=\"0\"\r\n              step=\"0.01\"\r\n            >\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"bnpl-au-info\">\r\n\r\n          BNPL products can have different fees and repayment terms.\r\n          Enter your own estimated recurring fees if applicable.\r\n\r\n        <\/div>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"bnpl-au-calculate\"\r\n        >\r\n          Calculate Payoff\r\n        <\/button>\r\n\r\n\r\n        <button\r\n          type=\"button\"\r\n          id=\"bnpl-au-reset\"\r\n          class=\"bnpl-au-reset\"\r\n        >\r\n          Reset Calculator\r\n        <\/button>\r\n\r\n      <\/div>\r\n\r\n\r\n      <!-- RESULTS -->\r\n\r\n      <div class=\"bnpl-au-results\">\r\n\r\n        <div\r\n          id=\"bnpl-au-error\"\r\n          class=\"bnpl-au-error\"\r\n        ><\/div>\r\n\r\n\r\n        <!-- RESULT BANNER -->\r\n\r\n        <div class=\"bnpl-au-result-banner\">\r\n\r\n          <div>\r\n\r\n            <span>ESTIMATED DEBT-FREE DATE<\/span>\r\n\r\n            <strong id=\"bnpl-au-date\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-banner-right\">\r\n\r\n            <span>PAYOFF TIME<\/span>\r\n\r\n            <strong id=\"bnpl-au-time\">\r\n              \u2014\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- STATS -->\r\n\r\n        <div class=\"bnpl-au-stat-grid\">\r\n\r\n          <div class=\"bnpl-au-stat\">\r\n\r\n            <span>Total BNPL Debt<\/span>\r\n\r\n            <strong id=\"bnpl-au-total-debt\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-stat\">\r\n\r\n            <span>Total Fees<\/span>\r\n\r\n            <strong id=\"bnpl-au-total-fees\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-stat\">\r\n\r\n            <span>Total Paid<\/span>\r\n\r\n            <strong id=\"bnpl-au-total-paid\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-stat\">\r\n\r\n            <span>Monthly Payment<\/span>\r\n\r\n            <strong id=\"bnpl-au-monthly-payment\">\r\n              $0\r\n            <\/strong>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SUMMARY -->\r\n\r\n        <div class=\"bnpl-au-summary\">\r\n\r\n          <h3>Your BNPL Payoff Plan<\/h3>\r\n\r\n          <p id=\"bnpl-au-summary-text\"><\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- TARGET PAYMENTS -->\r\n\r\n        <div class=\"bnpl-au-section\">\r\n\r\n          <div class=\"bnpl-au-heading\">\r\n\r\n            <h3>Payment Needed for Your Payoff Goal<\/h3>\r\n\r\n            <p>\r\n              See the approximate monthly payment required to clear\r\n              your BNPL balance within a specific period.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-target-grid\">\r\n\r\n            <div class=\"bnpl-au-target\">\r\n\r\n              <span>3 Months<\/span>\r\n\r\n              <strong id=\"bnpl-au-target3\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"bnpl-au-target\">\r\n\r\n              <span>6 Months<\/span>\r\n\r\n              <strong id=\"bnpl-au-target6\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"bnpl-au-target\">\r\n\r\n              <span>12 Months<\/span>\r\n\r\n              <strong id=\"bnpl-au-target12\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n\r\n            <div class=\"bnpl-au-target\">\r\n\r\n              <span>24 Months<\/span>\r\n\r\n              <strong id=\"bnpl-au-target24\">\r\n                $0\r\n              <\/strong>\r\n\r\n            <\/div>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- EXTRA PAYMENT SCENARIOS -->\r\n\r\n        <div class=\"bnpl-au-section\">\r\n\r\n          <div class=\"bnpl-au-heading\">\r\n\r\n            <h3>What If You Pay More?<\/h3>\r\n\r\n            <p>\r\n              Compare your current payment with additional monthly payments.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-table-wrap\">\r\n\r\n            <table class=\"bnpl-au-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Monthly Payment<\/th>\r\n\r\n                  <th>Payoff Time<\/th>\r\n\r\n                  <th>Total Fees<\/th>\r\n\r\n                  <th>Fees Saved<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n\r\n              <tbody>\r\n\r\n                <tr>\r\n\r\n                  <td id=\"bnpl-au-s0-payment\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s0-time\">\u2014<\/td>\r\n\r\n                  <td id=\"bnpl-au-s0-fees\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s0-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"bnpl-au-s1-payment\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s1-time\">\u2014<\/td>\r\n\r\n                  <td id=\"bnpl-au-s1-fees\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s1-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"bnpl-au-s2-payment\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s2-time\">\u2014<\/td>\r\n\r\n                  <td id=\"bnpl-au-s2-fees\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s2-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n\r\n                <tr>\r\n\r\n                  <td id=\"bnpl-au-s3-payment\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s3-time\">\u2014<\/td>\r\n\r\n                  <td id=\"bnpl-au-s3-fees\">$0<\/td>\r\n\r\n                  <td id=\"bnpl-au-s3-saving\">$0<\/td>\r\n\r\n                <\/tr>\r\n\r\n              <\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- CHART -->\r\n\r\n        <div class=\"bnpl-au-section\">\r\n\r\n          <div class=\"bnpl-au-heading\">\r\n\r\n            <h3>BNPL Debt Payoff Progress<\/h3>\r\n\r\n            <p>\r\n              Estimated remaining BNPL balance over time.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-chart\">\r\n\r\n            <canvas id=\"bnpl-au-chart-canvas\"><\/canvas>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SCHEDULE -->\r\n\r\n        <div class=\"bnpl-au-section\">\r\n\r\n          <div class=\"bnpl-au-heading\">\r\n\r\n            <h3>Monthly Payoff Schedule<\/h3>\r\n\r\n            <p>\r\n              Estimated payment, fees and remaining BNPL balance.\r\n            <\/p>\r\n\r\n          <\/div>\r\n\r\n\r\n          <div class=\"bnpl-au-table-wrap bnpl-au-schedule\">\r\n\r\n            <table class=\"bnpl-au-table\">\r\n\r\n              <thead>\r\n\r\n                <tr>\r\n\r\n                  <th>Month<\/th>\r\n\r\n                  <th>Payment<\/th>\r\n\r\n                  <th>Fees<\/th>\r\n\r\n                  <th>Debt Reduction<\/th>\r\n\r\n                  <th>Remaining Debt<\/th>\r\n\r\n                <\/tr>\r\n\r\n              <\/thead>\r\n\r\n\r\n              <tbody id=\"bnpl-au-schedule-body\"><\/tbody>\r\n\r\n            <\/table>\r\n\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- SAVINGS -->\r\n\r\n        <div class=\"bnpl-au-saving-box\">\r\n\r\n          <div>\r\n\r\n            <strong>Potential Fee Savings<\/strong>\r\n\r\n            <small>\r\n              Based on paying an additional $100 per month\r\n            <\/small>\r\n\r\n          <\/div>\r\n\r\n          <span id=\"bnpl-au-saving-value\">\r\n            $0\r\n          <\/span>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- INFORMATION -->\r\n\r\n        <div class=\"bnpl-au-note\">\r\n\r\n          <strong>About BNPL costs<\/strong>\r\n\r\n          <p>\r\n            Buy Now, Pay Later products can have different repayment\r\n            schedules, account fees, late fees and other charges.\r\n            Enter your own estimated recurring fees where applicable.\r\n            The calculator does not assume that every BNPL product\r\n            charges interest.\r\n          <\/p>\r\n\r\n        <\/div>\r\n\r\n\r\n        <!-- DISCLAIMER -->\r\n\r\n        <div class=\"bnpl-au-disclaimer\">\r\n\r\n          <strong>Disclaimer:<\/strong>\r\n\r\n          This calculator provides estimates for educational purposes only.\r\n          Actual BNPL repayment amounts, fees, late fees, account charges,\r\n          payment schedules and other costs depend on your provider and\r\n          individual account terms. This calculator does not provide\r\n          financial advice. Check your BNPL provider's current terms and\r\n          statements for exact amounts.\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- SEO CONTENT -->\r\n\r\n    <div class=\"bnpl-au-content\">\r\n\r\n      <h3>How to Use the BNPL Debt Payoff Calculator Australia<\/h3>\r\n\r\n      <p>\r\n        Enter your total Buy Now, Pay Later balance, number of BNPL\r\n        accounts, current monthly repayments and any additional monthly\r\n        amount you can afford to pay. If your BNPL accounts have recurring\r\n        fees, enter an estimated monthly amount to see how those costs\r\n        may affect your repayment plan.\r\n      <\/p>\r\n\r\n\r\n      <h3>Paying Off Multiple BNPL Accounts<\/h3>\r\n\r\n      <p>\r\n        Having several BNPL accounts can make it difficult to see the\r\n        total amount you owe. Combining your balances into one figure\r\n        can help you understand your overall repayment position. Use\r\n        the extra-payment scenarios to compare different repayment\r\n        amounts and estimate how quickly your total BNPL balance could\r\n        be reduced.\r\n      <\/p>\r\n\r\n\r\n      <h3>Can Extra Payments Help?<\/h3>\r\n\r\n      <p>\r\n        Paying more than your regular scheduled amount may help reduce\r\n        your outstanding BNPL balance sooner, depending on your provider's\r\n        terms. Compare the different scenarios before deciding how much\r\n        you can comfortably allocate toward repayment.\r\n      <\/p>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<style>\r\n\r\n\/* =====================================================\r\n   BNPL DEBT PAYOFF CALCULATOR AUSTRALIA\r\n   PRIMARY COLOUR: #7C3AED\r\n===================================================== *\/\r\n\r\n#bnpl-au-calculator {\r\n\r\n  --bnpl-primary: #7C3AED;\r\n  --bnpl-primary-dark: #6D28D9;\r\n  --bnpl-primary-light: #F3E8FF;\r\n\r\n  --bnpl-text: #111827;\r\n  --bnpl-muted: #6B7280;\r\n\r\n  --bnpl-border: #E5E7EB;\r\n  --bnpl-bg: #F8FAFC;\r\n\r\n  --bnpl-green: #15803D;\r\n  --bnpl-green-bg: #F0FDF4;\r\n\r\n  --bnpl-red: #B91C1C;\r\n  --bnpl-red-bg: #FEF2F2;\r\n\r\n  max-width: 1100px;\r\n\r\n  margin: 30px auto;\r\n\r\n  font-family:\r\n    Arial,\r\n    Helvetica,\r\n    sans-serif;\r\n\r\n  color:\r\n    var(--bnpl-text);\r\n\r\n  line-height: 1.5;\r\n\r\n}\r\n\r\n\r\n#bnpl-au-calculator *,\r\n#bnpl-au-calculator *::before,\r\n#bnpl-au-calculator *::after {\r\n\r\n  box-sizing: border-box;\r\n\r\n}\r\n\r\n\r\n\/* HERO *\/\r\n\r\n.bnpl-au-hero {\r\n\r\n  text-align: center;\r\n\r\n  margin-bottom: 25px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-badge {\r\n\r\n  display: inline-block;\r\n\r\n  padding: 6px 12px;\r\n\r\n  border-radius: 50px;\r\n\r\n  background:\r\n    var(--bnpl-primary-light);\r\n\r\n  color:\r\n    var(--bnpl-primary-dark);\r\n\r\n  font-size: 11px;\r\n\r\n  font-weight: 800;\r\n\r\n  letter-spacing: .5px;\r\n\r\n  margin-bottom: 10px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-hero h2 {\r\n\r\n  margin:\r\n    0 0 10px;\r\n\r\n  font-size: 32px;\r\n\r\n  line-height: 1.2;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-hero p {\r\n\r\n  max-width: 720px;\r\n\r\n  margin: auto;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* MAIN *\/\r\n\r\n.bnpl-au-main {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    330px\r\n    1fr;\r\n\r\n  gap: 22px;\r\n\r\n  align-items: start;\r\n\r\n}\r\n\r\n\r\n\/* INPUT *\/\r\n\r\n.bnpl-au-input-panel {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 14px;\r\n\r\n  padding: 22px;\r\n\r\n  box-shadow:\r\n    0 4px 18px\r\n    rgba(0,0,0,.05);\r\n\r\n  position: sticky;\r\n\r\n  top: 20px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-input-panel h3 {\r\n\r\n  margin:\r\n    0 0 20px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-field {\r\n\r\n  margin-bottom: 17px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-field label {\r\n\r\n  display: block;\r\n\r\n  margin-bottom: 7px;\r\n\r\n  font-size: 13px;\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-field label small {\r\n\r\n  float: right;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-weight: 400;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-input-wrap {\r\n\r\n  display: flex;\r\n\r\n  align-items: center;\r\n\r\n  height: 48px;\r\n\r\n  border:\r\n    1px solid\r\n    #D1D5DB;\r\n\r\n  border-radius: 8px;\r\n\r\n  background: #fff;\r\n\r\n  overflow: hidden;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-input-wrap:focus-within {\r\n\r\n  border-color:\r\n    var(--bnpl-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-input-wrap span {\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-weight: 600;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-input-wrap input {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n  border: 0;\r\n\r\n  outline: 0;\r\n\r\n  padding:\r\n    0 10px;\r\n\r\n  font-size: 16px;\r\n\r\n  color:\r\n    var(--bnpl-text);\r\n\r\n  background:\r\n    transparent;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-normal-input {\r\n\r\n  width: 100%;\r\n\r\n  height: 48px;\r\n\r\n  border:\r\n    1px solid\r\n    #D1D5DB;\r\n\r\n  border-radius: 8px;\r\n\r\n  padding:\r\n    0 12px;\r\n\r\n  font-size: 16px;\r\n\r\n  color:\r\n    var(--bnpl-text);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-normal-input:focus {\r\n\r\n  outline: none;\r\n\r\n  border-color:\r\n    var(--bnpl-primary);\r\n\r\n  box-shadow:\r\n    0 0 0 3px\r\n    rgba(124,58,237,.12);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-info {\r\n\r\n  margin-bottom: 17px;\r\n\r\n  padding: 11px;\r\n\r\n  background:\r\n    var(--bnpl-primary-light);\r\n\r\n  color:\r\n    #5B21B6;\r\n\r\n  border-radius: 8px;\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.5;\r\n\r\n}\r\n\r\n\r\n#bnpl-au-calculate {\r\n\r\n  width: 100%;\r\n\r\n  height: 50px;\r\n\r\n  border: 0;\r\n\r\n  border-radius: 8px;\r\n\r\n  background:\r\n    var(--bnpl-primary);\r\n\r\n  color: #fff;\r\n\r\n  font-size: 16px;\r\n\r\n  font-weight: 800;\r\n\r\n  cursor: pointer;\r\n\r\n  transition: .2s;\r\n\r\n}\r\n\r\n\r\n#bnpl-au-calculate:hover {\r\n\r\n  background:\r\n    var(--bnpl-primary-dark);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-reset {\r\n\r\n  width: 100%;\r\n\r\n  height: 40px;\r\n\r\n  margin-top: 8px;\r\n\r\n  border: 0;\r\n\r\n  background: transparent;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  cursor: pointer;\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* ERROR *\/\r\n\r\n.bnpl-au-error {\r\n\r\n  display: none;\r\n\r\n  margin-bottom: 18px;\r\n\r\n  padding: 13px;\r\n\r\n  border-radius: 9px;\r\n\r\n  background:\r\n    var(--bnpl-red-bg);\r\n\r\n  color:\r\n    var(--bnpl-red);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* RESULT BANNER *\/\r\n\r\n.bnpl-au-result-banner {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  gap: 15px;\r\n\r\n  padding: 23px;\r\n\r\n  border-radius: 14px;\r\n\r\n  background:\r\n    linear-gradient(\r\n      135deg,\r\n      var(--bnpl-primary),\r\n      var(--bnpl-primary-dark)\r\n    );\r\n\r\n  color: #fff;\r\n\r\n  box-shadow:\r\n    0 8px 25px\r\n    rgba(124,58,237,.22);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-result-banner span {\r\n\r\n  display: block;\r\n\r\n  font-size: 11px;\r\n\r\n  opacity: .8;\r\n\r\n  font-weight: 700;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-result-banner strong {\r\n\r\n  display: block;\r\n\r\n  font-size: 24px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-banner-right {\r\n\r\n  text-align: right;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-banner-right strong {\r\n\r\n  font-size: 21px;\r\n\r\n}\r\n\r\n\r\n\/* STATS *\/\r\n\r\n.bnpl-au-stat-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 12px;\r\n\r\n  margin-top: 14px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-stat {\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  padding:\r\n    17px 10px;\r\n\r\n  text-align: center;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-stat span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-size: 12px;\r\n\r\n  margin-bottom: 5px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-stat strong {\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n\/* SUMMARY *\/\r\n\r\n.bnpl-au-summary {\r\n\r\n  margin-top: 15px;\r\n\r\n  padding: 19px;\r\n\r\n  background:\r\n    var(--bnpl-primary-light);\r\n\r\n  border-left:\r\n    4px solid\r\n    var(--bnpl-primary);\r\n\r\n  border-radius: 9px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-summary h3 {\r\n\r\n  margin:\r\n    0 0 7px;\r\n\r\n  font-size: 18px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-summary p {\r\n\r\n  margin: 0;\r\n\r\n  font-size: 14px;\r\n\r\n}\r\n\r\n\r\n\/* SECTIONS *\/\r\n\r\n.bnpl-au-section {\r\n\r\n  margin-top: 25px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-heading h3 {\r\n\r\n  margin:\r\n    0 0 5px;\r\n\r\n  font-size: 20px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-heading p {\r\n\r\n  margin:\r\n    0 0 14px;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* TARGET *\/\r\n\r\n.bnpl-au-target-grid {\r\n\r\n  display: grid;\r\n\r\n  grid-template-columns:\r\n    repeat(4,1fr);\r\n\r\n  gap: 10px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-target {\r\n\r\n  padding:\r\n    17px 8px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  text-align: center;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-target span {\r\n\r\n  display: block;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-size: 12px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-target strong {\r\n\r\n  display: block;\r\n\r\n  margin-top: 5px;\r\n\r\n  font-size: 18px;\r\n\r\n  color:\r\n    var(--bnpl-primary);\r\n\r\n}\r\n\r\n\r\n\/* TABLE *\/\r\n\r\n.bnpl-au-table-wrap {\r\n\r\n  overflow-x: auto;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-table {\r\n\r\n  width: 100%;\r\n\r\n  border-collapse: collapse;\r\n\r\n  min-width: 600px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-table th {\r\n\r\n  background:\r\n    #F9FAFB;\r\n\r\n  font-size: 12px;\r\n\r\n  font-weight: 800;\r\n\r\n  text-align: left;\r\n\r\n  padding: 12px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-table td {\r\n\r\n  padding: 12px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-table tbody tr:hover {\r\n\r\n  background:\r\n    #FAF5FF;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-table td:last-child {\r\n\r\n  color:\r\n    var(--bnpl-primary-dark);\r\n\r\n  font-weight: 700;\r\n\r\n}\r\n\r\n\r\n\/* CHART *\/\r\n\r\n.bnpl-au-chart {\r\n\r\n  width: 100%;\r\n\r\n  height: 300px;\r\n\r\n  padding: 15px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 10px;\r\n\r\n}\r\n\r\n\r\n#bnpl-au-chart-canvas {\r\n\r\n  width: 100%;\r\n\r\n  height: 100%;\r\n\r\n}\r\n\r\n\r\n\/* SAVINGS *\/\r\n\r\n.bnpl-au-saving-box {\r\n\r\n  display: flex;\r\n\r\n  justify-content: space-between;\r\n\r\n  align-items: center;\r\n\r\n  gap: 15px;\r\n\r\n  margin-top: 25px;\r\n\r\n  padding: 20px;\r\n\r\n  border:\r\n    1px solid\r\n    #BBF7D0;\r\n\r\n  border-radius: 11px;\r\n\r\n  background:\r\n    var(--bnpl-green-bg);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-saving-box strong {\r\n\r\n  display: block;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-saving-box small {\r\n\r\n  display: block;\r\n\r\n  margin-top: 4px;\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n}\r\n\r\n\r\n.bnpl-au-saving-box > span {\r\n\r\n  color:\r\n    var(--bnpl-green);\r\n\r\n  font-size: 24px;\r\n\r\n  font-weight: 800;\r\n\r\n}\r\n\r\n\r\n\/* NOTE *\/\r\n\r\n.bnpl-au-note {\r\n\r\n  margin-top: 22px;\r\n\r\n  padding: 18px;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 10px;\r\n\r\n  background:\r\n    #FAFAFA;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-note strong {\r\n\r\n  display: block;\r\n\r\n  margin-bottom: 6px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-note p {\r\n\r\n  margin: 0;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 13px;\r\n\r\n}\r\n\r\n\r\n\/* SEO CONTENT *\/\r\n\r\n.bnpl-au-content {\r\n\r\n  margin-top: 30px;\r\n\r\n  padding: 25px;\r\n\r\n  background: #fff;\r\n\r\n  border:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  border-radius: 14px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-content h3 {\r\n\r\n  margin:\r\n    0 0 9px;\r\n\r\n  font-size: 21px;\r\n\r\n}\r\n\r\n\r\n.bnpl-au-content p {\r\n\r\n  margin:\r\n    0 0 25px;\r\n\r\n  color:\r\n    #4B5563;\r\n\r\n  font-size: 15px;\r\n\r\n}\r\n\r\n\r\n\/* DISCLAIMER *\/\r\n\r\n.bnpl-au-disclaimer {\r\n\r\n  margin-top: 25px;\r\n\r\n  padding-top: 18px;\r\n\r\n  border-top:\r\n    1px solid\r\n    var(--bnpl-border);\r\n\r\n  color:\r\n    var(--bnpl-muted);\r\n\r\n  font-size: 11px;\r\n\r\n  line-height: 1.7;\r\n\r\n}\r\n\r\n\r\n\/* RESPONSIVE *\/\r\n\r\n@media(max-width:850px) {\r\n\r\n  .bnpl-au-main {\r\n\r\n    grid-template-columns: 1fr;\r\n\r\n  }\r\n\r\n  .bnpl-au-input-panel {\r\n\r\n    position: static;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:700px) {\r\n\r\n  .bnpl-au-stat-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n  .bnpl-au-target-grid {\r\n\r\n    grid-template-columns:\r\n      1fr 1fr;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:550px) {\r\n\r\n  #bnpl-au-calculator {\r\n\r\n    margin:\r\n      15px auto;\r\n\r\n  }\r\n\r\n  .bnpl-au-hero h2 {\r\n\r\n    font-size: 26px;\r\n\r\n  }\r\n\r\n  .bnpl-au-result-banner {\r\n\r\n    flex-direction: column;\r\n\r\n  }\r\n\r\n  .bnpl-au-banner-right {\r\n\r\n    text-align: left;\r\n\r\n  }\r\n\r\n  .bnpl-au-saving-box {\r\n\r\n    flex-direction: column;\r\n\r\n    align-items: flex-start;\r\n\r\n  }\r\n\r\n}\r\n\r\n\r\n@media(max-width:400px) {\r\n\r\n  .bnpl-au-stat-grid {\r\n\r\n    grid-template-columns: 1fr;\r\n\r\n  }\r\n\r\n  .bnpl-au-target-grid {\r\n\r\n    grid-template-columns: 1fr;\r\n\r\n  }\r\n\r\n  .bnpl-au-input-panel {\r\n\r\n    padding: 17px;\r\n\r\n  }\r\n\r\n}\r\n\r\n<\/style>\r\n\r\n\r\n<script>\r\n\r\n(function() {\r\n\r\n  \"use strict\";\r\n\r\n\r\n  \/* =========================================\r\n     HELPERS\r\n  ========================================= *\/\r\n\r\n  function getNumber(id) {\r\n\r\n    var element =\r\n      document.getElementById(id);\r\n\r\n    if (!element) return 0;\r\n\r\n    var value =\r\n      parseFloat(element.value);\r\n\r\n    return isFinite(value)\r\n      ? value\r\n      : 0;\r\n\r\n  }\r\n\r\n\r\n  function money(value) {\r\n\r\n    if (!isFinite(value)) {\r\n\r\n      return \"$0.00\";\r\n\r\n    }\r\n\r\n    return \"$\" +\r\n      value.toLocaleString(\r\n        \"en-AU\",\r\n        {\r\n          minimumFractionDigits: 2,\r\n          maximumFractionDigits: 2\r\n        }\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function timeText(months) {\r\n\r\n    if (!months) {\r\n\r\n      return \"\u2014\";\r\n\r\n    }\r\n\r\n\r\n    var years =\r\n      Math.floor(months \/ 12);\r\n\r\n    var remaining =\r\n      months % 12;\r\n\r\n\r\n    if (years === 0) {\r\n\r\n      return months +\r\n        (\r\n          months === 1\r\n            ? \" month\"\r\n            : \" months\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    if (remaining === 0) {\r\n\r\n      return years +\r\n        (\r\n          years === 1\r\n            ? \" year\"\r\n            : \" years\"\r\n        );\r\n\r\n    }\r\n\r\n\r\n    return years +\r\n      (\r\n        years === 1\r\n          ? \" year \"\r\n          : \" years \"\r\n      ) +\r\n      remaining +\r\n      (\r\n        remaining === 1\r\n          ? \" month\"\r\n          : \" months\"\r\n      );\r\n\r\n  }\r\n\r\n\r\n  function payoffDate(months) {\r\n\r\n    var date =\r\n      new Date();\r\n\r\n    date.setMonth(\r\n      date.getMonth() + months\r\n    );\r\n\r\n\r\n    return date.toLocaleDateString(\r\n      \"en-AU\",\r\n      {\r\n        day: \"numeric\",\r\n        month: \"long\",\r\n        year: \"numeric\"\r\n      }\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     PAYOFF ENGINE\r\n\r\n     BNPL debt is treated as principal\r\n     plus any recurring monthly fees.\r\n  ========================================= *\/\r\n\r\n  function calculatePayoff(\r\n    balance,\r\n    monthlyFee,\r\n    payment\r\n  ) {\r\n\r\n    if (\r\n      balance <= 0 ||\r\n      payment <= 0\r\n    ) {\r\n\r\n      return {\r\n        impossible: true\r\n      };\r\n\r\n    }\r\n\r\n\r\n    var remaining =\r\n      balance;\r\n\r\n    var months = 0;\r\n\r\n    var totalFees = 0;\r\n\r\n    var schedule = [];\r\n\r\n\r\n    while (\r\n      remaining > 0 &&\r\n      months < 1200\r\n    ) {\r\n\r\n      months++;\r\n\r\n\r\n      var fee =\r\n        monthlyFee;\r\n\r\n\r\n      \/*\r\n       * The payment first covers\r\n       * the recurring fee.\r\n       *\/\r\n\r\n      var availableForDebt =\r\n        payment - fee;\r\n\r\n\r\n      if (\r\n        availableForDebt <= 0\r\n      ) {\r\n\r\n        return {\r\n\r\n          impossible: true,\r\n\r\n          fee: fee\r\n\r\n        };\r\n\r\n      }\r\n\r\n\r\n      var debtReduction =\r\n        Math.min(\r\n          availableForDebt,\r\n          remaining\r\n        );\r\n\r\n\r\n      var actualPayment =\r\n        debtReduction + fee;\r\n\r\n\r\n      remaining -=\r\n        debtReduction;\r\n\r\n\r\n      totalFees +=\r\n        fee;\r\n\r\n\r\n      schedule.push({\r\n\r\n        month: months,\r\n\r\n        payment:\r\n          actualPayment,\r\n\r\n        fee:\r\n          fee,\r\n\r\n        principal:\r\n          debtReduction,\r\n\r\n        balance:\r\n          Math.max(\r\n            0,\r\n            remaining\r\n          )\r\n\r\n      });\r\n\r\n\r\n    }\r\n\r\n\r\n    if (months >= 1200) {\r\n\r\n      return {\r\n\r\n        impossible: true\r\n\r\n      };\r\n\r\n    }\r\n\r\n\r\n    return {\r\n\r\n      months:\r\n        months,\r\n\r\n      fees:\r\n        totalFees,\r\n\r\n      total:\r\n        balance + totalFees,\r\n\r\n      schedule:\r\n        schedule\r\n\r\n    };\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     TARGET PAYMENT\r\n  ========================================= *\/\r\n\r\n  function targetPayment(\r\n    balance,\r\n    monthlyFee,\r\n    months\r\n  ) {\r\n\r\n    if (\r\n      balance <= 0 ||\r\n      months <= 0\r\n    ) {\r\n\r\n      return 0;\r\n\r\n    }\r\n\r\n\r\n    \/*\r\n     * Principal repayment required\r\n     * plus monthly fees.\r\n     *\/\r\n\r\n    return (\r\n      balance \/ months\r\n    ) + monthlyFee;\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     SCHEDULE\r\n  ========================================= *\/\r\n\r\n  function renderSchedule(\r\n    schedule\r\n  ) {\r\n\r\n    var body =\r\n      document.getElementById(\r\n        \"bnpl-au-schedule-body\"\r\n      );\r\n\r\n\r\n    body.innerHTML = \"\";\r\n\r\n\r\n    var rows =\r\n      Math.min(\r\n        schedule.length,\r\n        60\r\n      );\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i < rows;\r\n      i++\r\n    ) {\r\n\r\n      var row =\r\n        schedule[i];\r\n\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        \"<td>\" +\r\n        row.month +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.payment) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.fee) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.principal) +\r\n        \"<\/td>\" +\r\n\r\n        \"<td>\" +\r\n        money(row.balance) +\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      schedule.length > 60\r\n    ) {\r\n\r\n      var tr =\r\n        document.createElement(\r\n          \"tr\"\r\n        );\r\n\r\n\r\n      tr.innerHTML =\r\n\r\n        '<td colspan=\"5\" style=\"text-align:center;color:#6B7280;\">' +\r\n\r\n        \"Showing the first 60 months of the estimated payoff schedule.\" +\r\n\r\n        \"<\/td>\";\r\n\r\n\r\n      body.appendChild(tr);\r\n\r\n    }\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     CHART\r\n  ========================================= *\/\r\n\r\n  function drawChart(\r\n    schedule\r\n  ) {\r\n\r\n    var canvas =\r\n      document.getElementById(\r\n        \"bnpl-au-chart-canvas\"\r\n      );\r\n\r\n\r\n    if (!canvas) return;\r\n\r\n\r\n    var ctx =\r\n      canvas.getContext(\r\n        \"2d\"\r\n      );\r\n\r\n\r\n    var rect =\r\n      canvas.getBoundingClientRect();\r\n\r\n\r\n    var dpr =\r\n      window.devicePixelRatio ||\r\n      1;\r\n\r\n\r\n    canvas.width =\r\n      rect.width * dpr;\r\n\r\n\r\n    canvas.height =\r\n      rect.height * dpr;\r\n\r\n\r\n    ctx.scale(\r\n      dpr,\r\n      dpr\r\n    );\r\n\r\n\r\n    var width =\r\n      rect.width;\r\n\r\n\r\n    var height =\r\n      rect.height;\r\n\r\n\r\n    ctx.clearRect(\r\n      0,\r\n      0,\r\n      width,\r\n      height\r\n    );\r\n\r\n\r\n    if (\r\n      !schedule ||\r\n      !schedule.length\r\n    ) {\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var max =\r\n      schedule[0].balance +\r\n      schedule[0].principal;\r\n\r\n\r\n    var padding = 35;\r\n\r\n\r\n    function x(index) {\r\n\r\n      return padding +\r\n        (\r\n          index \/\r\n          schedule.length\r\n        ) *\r\n        (\r\n          width -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    function y(value) {\r\n\r\n      return height -\r\n        padding -\r\n        (\r\n          value \/\r\n          max\r\n        ) *\r\n        (\r\n          height -\r\n          padding * 2\r\n        );\r\n\r\n    }\r\n\r\n\r\n    \/* GRID *\/\r\n\r\n    ctx.strokeStyle =\r\n      \"#E5E7EB\";\r\n\r\n    ctx.lineWidth = 1;\r\n\r\n\r\n    for (\r\n      var i = 0;\r\n      i <= 4;\r\n      i++\r\n    ) {\r\n\r\n      var gy =\r\n        padding +\r\n        i *\r\n        (\r\n          (\r\n            height -\r\n            padding * 2\r\n          ) \/ 4\r\n        );\r\n\r\n\r\n      ctx.beginPath();\r\n\r\n      ctx.moveTo(\r\n        padding,\r\n        gy\r\n      );\r\n\r\n      ctx.lineTo(\r\n        width - padding,\r\n        gy\r\n      );\r\n\r\n      ctx.stroke();\r\n\r\n    }\r\n\r\n\r\n    \/* LINE *\/\r\n\r\n    ctx.beginPath();\r\n\r\n\r\n    schedule.forEach(\r\n      function(row, index) {\r\n\r\n        var px =\r\n          x(index);\r\n\r\n        var py =\r\n          y(row.balance);\r\n\r\n\r\n        if (index === 0) {\r\n\r\n          ctx.moveTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        } else {\r\n\r\n          ctx.lineTo(\r\n            px,\r\n            py\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    ctx.strokeStyle =\r\n      \"#7C3AED\";\r\n\r\n    ctx.lineWidth = 3;\r\n\r\n    ctx.stroke();\r\n\r\n\r\n    \/* AREA *\/\r\n\r\n    ctx.lineTo(\r\n      x(schedule.length - 1),\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.lineTo(\r\n      padding,\r\n      height - padding\r\n    );\r\n\r\n\r\n    ctx.closePath();\r\n\r\n\r\n    ctx.fillStyle =\r\n      \"rgba(124,58,237,.10)\";\r\n\r\n    ctx.fill();\r\n\r\n\r\n    \/* LABELS *\/\r\n\r\n    ctx.fillStyle =\r\n      \"#6B7280\";\r\n\r\n    ctx.font =\r\n      \"11px Arial\";\r\n\r\n\r\n    ctx.fillText(\r\n      money(max),\r\n      4,\r\n      padding\r\n    );\r\n\r\n\r\n    ctx.fillText(\r\n      \"$0\",\r\n      4,\r\n      height - padding\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     MAIN CALCULATION\r\n  ========================================= *\/\r\n\r\n  function calculate() {\r\n\r\n    var balance =\r\n      getNumber(\r\n        \"bnpl-au-balance\"\r\n      );\r\n\r\n\r\n    var accounts =\r\n      getNumber(\r\n        \"bnpl-au-accounts\"\r\n      );\r\n\r\n\r\n    var payment =\r\n      getNumber(\r\n        \"bnpl-au-payment\"\r\n      );\r\n\r\n\r\n    var extra =\r\n      getNumber(\r\n        \"bnpl-au-extra\"\r\n      );\r\n\r\n\r\n    var monthlyFee =\r\n      getNumber(\r\n        \"bnpl-au-fee\"\r\n      );\r\n\r\n\r\n    var error =\r\n      document.getElementById(\r\n        \"bnpl-au-error\"\r\n      );\r\n\r\n\r\n    error.style.display =\r\n      \"none\";\r\n\r\n\r\n    if (\r\n      balance <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter your total BNPL balance.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    if (\r\n      accounts < 1\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter at least one BNPL account.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var monthlyPayment =\r\n      payment + extra;\r\n\r\n\r\n    if (\r\n      monthlyPayment <= 0\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Please enter a monthly repayment greater than $0.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    var result =\r\n      calculatePayoff(\r\n        balance,\r\n        monthlyFee,\r\n        monthlyPayment\r\n      );\r\n\r\n\r\n    if (\r\n      result.impossible\r\n    ) {\r\n\r\n      error.textContent =\r\n        \"Your monthly payment is not enough to cover the estimated recurring fees and reduce the BNPL balance. Increase your monthly payment.\";\r\n\r\n      error.style.display =\r\n        \"block\";\r\n\r\n      return;\r\n\r\n    }\r\n\r\n\r\n    \/* RESULT HEADER *\/\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-date\"\r\n    ).textContent =\r\n      payoffDate(\r\n        result.months\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-time\"\r\n    ).textContent =\r\n      timeText(\r\n        result.months\r\n      );\r\n\r\n\r\n    \/* STATS *\/\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-total-debt\"\r\n    ).textContent =\r\n      money(\r\n        balance\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-total-fees\"\r\n    ).textContent =\r\n      money(\r\n        result.fees\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-total-paid\"\r\n    ).textContent =\r\n      money(\r\n        result.total\r\n      );\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-monthly-payment\"\r\n    ).textContent =\r\n      money(\r\n        monthlyPayment\r\n      );\r\n\r\n\r\n    \/* SUMMARY *\/\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-summary-text\"\r\n    ).textContent =\r\n\r\n      \"You have approximately \" +\r\n\r\n      money(balance) +\r\n\r\n      \" in BNPL debt across \" +\r\n\r\n      accounts +\r\n\r\n      (\r\n        accounts === 1\r\n          ? \" account.\"\r\n          : \" accounts.\"\r\n      ) +\r\n\r\n      \" With a total monthly repayment of \" +\r\n\r\n      money(monthlyPayment) +\r\n\r\n      \", your estimated payoff time is \" +\r\n\r\n      timeText(\r\n        result.months\r\n      ) +\r\n\r\n      \". Estimated recurring fees over the payoff period are \" +\r\n\r\n      money(\r\n        result.fees\r\n      ) +\r\n\r\n      \".\";\r\n\r\n\r\n    \/* TARGET PAYMENTS *\/\r\n\r\n    var targets = [\r\n\r\n      {\r\n        months: 3,\r\n        id: \"bnpl-au-target3\"\r\n      },\r\n\r\n      {\r\n        months: 6,\r\n        id: \"bnpl-au-target6\"\r\n      },\r\n\r\n      {\r\n        months: 12,\r\n        id: \"bnpl-au-target12\"\r\n      },\r\n\r\n      {\r\n        months: 24,\r\n        id: \"bnpl-au-target24\"\r\n      }\r\n\r\n    ];\r\n\r\n\r\n    targets.forEach(\r\n      function(item) {\r\n\r\n        var required =\r\n          targetPayment(\r\n            balance,\r\n            monthlyFee,\r\n            item.months\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          item.id\r\n        ).textContent =\r\n          money(\r\n            required\r\n          );\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* SCENARIOS *\/\r\n\r\n    var scenarioPayments = [\r\n\r\n      monthlyPayment,\r\n\r\n      monthlyPayment + 25,\r\n\r\n      monthlyPayment + 50,\r\n\r\n      monthlyPayment + 100\r\n\r\n    ];\r\n\r\n\r\n    scenarioPayments.forEach(\r\n      function(p, index) {\r\n\r\n        var scenario =\r\n          calculatePayoff(\r\n            balance,\r\n            monthlyFee,\r\n            p\r\n          );\r\n\r\n\r\n        document.getElementById(\r\n          \"bnpl-au-s\" +\r\n          index +\r\n          \"-payment\"\r\n        ).textContent =\r\n          money(p);\r\n\r\n\r\n        if (\r\n          scenario &&\r\n          !scenario.impossible\r\n        ) {\r\n\r\n          document.getElementById(\r\n            \"bnpl-au-s\" +\r\n            index +\r\n            \"-time\"\r\n          ).textContent =\r\n            timeText(\r\n              scenario.months\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"bnpl-au-s\" +\r\n            index +\r\n            \"-fees\"\r\n          ).textContent =\r\n            money(\r\n              scenario.fees\r\n            );\r\n\r\n\r\n          var saved =\r\n            Math.max(\r\n              0,\r\n              result.fees -\r\n              scenario.fees\r\n            );\r\n\r\n\r\n          document.getElementById(\r\n            \"bnpl-au-s\" +\r\n            index +\r\n            \"-saving\"\r\n          ).textContent =\r\n            money(\r\n              saved\r\n            );\r\n\r\n        }\r\n\r\n      }\r\n    );\r\n\r\n\r\n    \/* $100 EXTRA SAVING *\/\r\n\r\n    var plus100 =\r\n      calculatePayoff(\r\n        balance,\r\n        monthlyFee,\r\n        monthlyPayment + 100\r\n      );\r\n\r\n\r\n    var saving =\r\n      0;\r\n\r\n\r\n    if (\r\n      plus100 &&\r\n      !plus100.impossible\r\n    ) {\r\n\r\n      saving =\r\n        Math.max(\r\n          0,\r\n          result.fees -\r\n          plus100.fees\r\n        );\r\n\r\n    }\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-saving-value\"\r\n    ).textContent =\r\n      money(\r\n        saving\r\n      );\r\n\r\n\r\n    \/* SCHEDULE *\/\r\n\r\n    renderSchedule(\r\n      result.schedule\r\n    );\r\n\r\n\r\n    \/* CHART *\/\r\n\r\n    drawChart(\r\n      result.schedule\r\n    );\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     RESET\r\n  ========================================= *\/\r\n\r\n  function resetCalculator() {\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-balance\"\r\n    ).value =\r\n      \"3000\";\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-accounts\"\r\n    ).value =\r\n      \"2\";\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-payment\"\r\n    ).value =\r\n      \"300\";\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-extra\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    document.getElementById(\r\n      \"bnpl-au-fee\"\r\n    ).value =\r\n      \"0\";\r\n\r\n\r\n    calculate();\r\n\r\n  }\r\n\r\n\r\n  \/* =========================================\r\n     EVENTS\r\n  ========================================= *\/\r\n\r\n  document.getElementById(\r\n    \"bnpl-au-calculate\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    calculate\r\n  );\r\n\r\n\r\n  document.getElementById(\r\n    \"bnpl-au-reset\"\r\n  ).addEventListener(\r\n    \"click\",\r\n    resetCalculator\r\n  );\r\n\r\n\r\n  var inputs =\r\n    document.querySelectorAll(\r\n      \"#bnpl-au-calculator input\"\r\n    );\r\n\r\n\r\n  inputs.forEach(\r\n    function(input) {\r\n\r\n      input.addEventListener(\r\n        \"keydown\",\r\n        function(event) {\r\n\r\n          if (\r\n            event.key === \"Enter\"\r\n          ) {\r\n\r\n            calculate();\r\n\r\n          }\r\n\r\n        }\r\n      );\r\n\r\n    }\r\n  );\r\n\r\n\r\n  \/* INITIAL CALCULATION *\/\r\n\r\n  calculate();\r\n\r\n\r\n  \/* REDRAW CHART *\/\r\n\r\n  window.addEventListener(\r\n    \"resize\",\r\n    function() {\r\n\r\n      var balance =\r\n        getNumber(\r\n          \"bnpl-au-balance\"\r\n        );\r\n\r\n\r\n      var payment =\r\n        getNumber(\r\n          \"bnpl-au-payment\"\r\n        );\r\n\r\n\r\n      var extra =\r\n        getNumber(\r\n          \"bnpl-au-extra\"\r\n        );\r\n\r\n\r\n      var fee =\r\n        getNumber(\r\n          \"bnpl-au-fee\"\r\n        );\r\n\r\n\r\n      if (\r\n        balance > 0\r\n      ) {\r\n\r\n        var result =\r\n          calculatePayoff(\r\n            balance,\r\n            fee,\r\n            payment + extra\r\n          );\r\n\r\n\r\n        if (\r\n          result &&\r\n          !result.impossible\r\n        ) {\r\n\r\n          drawChart(\r\n            result.schedule\r\n          );\r\n\r\n        }\r\n\r\n      }\r\n\r\n    }\r\n  );\r\n\r\n\r\n})();\r\n\r\n<\/script>\n<p style=\"text-align: justify;\">The BNPL Debt Payoff Calculator Australia is a free online tool designed to help Australians understand and manage their Buy Now, Pay Later debt. Enter your total BNPL balance, number of BNPL accounts, current monthly repayments, extra payment amount and any estimated recurring fees to calculate your estimated debt-free date and repayment period. The calculator also shows your total BNPL debt, estimated fees, total amount paid and different payment scenarios. You can compare how paying an additional $25, $50 or $100 per month may help reduce your repayment time and potential fees. The tool also provides estimated monthly payments for 3-, 6-, 12- and 24-month payoff goals, along with a visual debt payoff chart and monthly repayment schedule. It is useful for people managing multiple BNPL accounts who want a clearer picture of their overall debt and repayment options. Results are estimates only and should be checked against your individual BNPL provider statements and current terms.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The BNPL Debt Payoff Calculator Australia is a free online tool designed to help Australians understand and manage their Buy [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[83],"tags":[],"class_list":["post-760","post","type-post","status-publish","format-standard","hentry","category-calculator"],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"StockMaster Universe","author_link":"https:\/\/www.stockmaster.in\/universe\/author\/unistockadmin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.stockmaster.in\/universe\/category\/debt-personal-finance\/calculator\/\" rel=\"category tag\">Calculator<\/a>","rttpg_excerpt":"The BNPL Debt Payoff Calculator Australia is a free online tool designed to help Australians understand and manage their Buy [&hellip;]","_links":{"self":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/760","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/comments?post=760"}],"version-history":[{"count":0,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/posts\/760\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/media?parent=760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/categories?post=760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stockmaster.in\/universe\/wp-json\/wp\/v2\/tags?post=760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}