How to Track Buy Now Pay Later Payments (2026)
Track a buy-now-pay-later plan as a fixed-term recurring charge: the instalment amount, how often it takes, how many instalments remain and the date the plan ends. Most subscription trackers can hold that if they support an end date or a fixed number of payments; the ones that only understand open-ended monthly charges will overstate your committed spend forever.
In short
The field that matters is the end date or instalment count. LemSubs and Wallos both hold a fixed-term charge. Bobby and Subly are built for open-ended subscriptions. Bank-linked apps see the instalments but treat them as a recurring bill with no finish line.
Last reviewed 2026-09-16. First published 2026-09-18.
The ranking
| Rank | Tool | Score | Bank login | Free plan | Pricing |
|---|---|---|---|---|---|
| 1 | LemSubs | 37/40 | No | 10 subs | Free (10 subs); Pro $7.99/mo |
| 2 | Wallos | 32/40 | No | Unlimited | Free (self-hosted) |
| 3 | TrackMySubs | 28/40 | Optional | 10 subs | Free (10 subs); paid from $10/mo ($99.99/yr) |
| 4 | Bobby | 34/40 | No | Unlimited | Free; Pro $1.99 one-time |
| 5 | Rocket Money | 25/40 | Required | None | $6–$12/mo |
1. LemSubs
Best for fixed-term plans alongside real subscriptions
Verdict: Our own tool. It leads this list for one specific reason: the end date is a real field, so a finished Klarna plan stops counting against next month instead of haunting the forecast.
Strengths: Custom billing cycles cover fortnightly instalments; An end date drops the plan out of future totals automatically; Alerts before each instalment lands; No bank credential needed.
Trade-offs: Plans are entered by hand or read from a statement; Free plan stops at 10 items.
Best for: People with a mix of open-ended subscriptions and a few instalment plans who want one honest monthly total.
Skip if: You want the plans detected from a live bank feed.
Pricing: Free (10 subs); Pro $7.99/mo (verified 2026-08-09). Bank login: No. Free plan: 10 subs.
2. Wallos
Free and self-hosted, handles custom cycles
Verdict: Capable of the job and free, provided you are happy to keep the server running and do the entry yourself.
Strengths: Custom cycles including fortnightly; Free forever; Data stays on your hardware.
Trade-offs: No alerts on a phone; You maintain it; Manual entry only.
Best for: Self-hosters who want instalments and subscriptions in one free list.
Skip if: You do not want to run a server.
Pricing: Free (self-hosted) (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
3. TrackMySubs
Flexible cycles, no dedicated instalment view
Verdict: Workable with a manual reminder to delete the plan when it ends. That manual step is the whole weakness.
Strengths: Flexible cycles; Multi-currency; Optional bank link.
Trade-offs: No remaining-payments figure; Higher entry price.
Best for: Existing users who want to log instalments beside their subscriptions.
Skip if: You want the remaining total worked out for you.
Pricing: Free (10 subs); paid from $10/mo ($99.99/yr) (verified 2026-09-16). Bank login: Optional. Free plan: 10 subs.
4. Bobby
Free, but built for open-ended subscriptions
Verdict: Free and pleasant, but it has no concept of a plan that stops. That is fine for one plan and misleading across several.
Strengths: Free and unlimited; Nothing leaves the phone; Quick entry.
Trade-offs: No end date; Finished plans keep counting until removed; iPhone only.
Best for: iPhone owners with one or two plans who will delete them by hand at the end.
Skip if: You have several plans running at once.
Pricing: Free; Pro $1.99 one-time (verified 2026-08-09). Bank login: No. Free plan: Unlimited.
5. Rocket Money
Sees the instalments, misses the finish line
Verdict: It will surface the instalments, then keep projecting them forward. For this job the detection is the easy half and the half it gets wrong is the one that matters.
Strengths: Spots the instalments without entry; Polished app.
Trade-offs: Bank login required; Treats plans as open-ended bills; No end date field.
Best for: US users who mainly want charges found and will ignore the forecast.
Skip if: You care about an accurate committed-spend figure.
Pricing: $6–$12/mo (verified 2026-08-09). Bank login: Required. Free plan: None.
An instalment plan is a subscription that stops
Split payments look exactly like subscriptions to any tool watching your card: a fixed amount, on a fixed rhythm, from one merchant. The difference is the finish line. A four-instalment Klarna plan takes three more payments and then never again, so a tracker that stores it as a monthly subscription will keep it in your committed total long after the plan closes, quietly inflating every forecast it shows you.
The practical consequence is a forecasting error in the wrong direction. People adopt these tools to see what next month costs. If three closed instalment plans are still in the list, next month looks worse than it is, and the number stops being trusted. The fix is not clever software, it is a field: an end date, or a count of remaining payments.
There is a second wrinkle worth knowing. Instalment plans are often charged fortnightly rather than monthly, so a tool that only offers weekly, monthly and yearly cycles cannot represent them honestly. You end up halving amounts by hand, which is fine for one plan and unusable across five.
Put together, the shortlist is short. What you want is a tracker with a custom or fortnightly cycle, an end date, and a total-remaining figure. Everything else on the feature list is irrelevant to this specific job.
Ignore the usual columns here. The only question is whether the tool can store a charge that ends after a set number of payments.
Frequently asked questions
Should buy now pay later plans go in a subscription tracker?
Yes, as long as the tracker supports an end date or a number of remaining payments. Without that field the plan stays in your monthly total after the final instalment and your forecast reads high.
How do I track a fortnightly Klarna or Clearpay plan?
Use a custom billing cycle set to every two weeks rather than halving the amount into a monthly charge. The dates are what trigger the alerts, so an approximated monthly figure warns you on the wrong day.
What should I record for each plan?
The merchant, the instalment amount, the cycle, the number of instalments, the date of the next one and the date of the last one. That is enough to show both the next payment and the total still owed.
Do these tools find instalment plans automatically?
Only the bank-linked ones, and they read them as ordinary recurring charges. Manual trackers need you to add the plan, which takes about a minute and gives you the end date the automatic tools lack.
Does a finished plan disappear on its own?
In LemSubs and Wallos the end date removes it from future totals. In Bobby, Subly and the bank-linked apps you delete or archive it yourself once the last instalment clears.
What changed since the last update
- 2026-09-18: First publication. 5 trackers ranked on fixed-term support.