InstallmentIQ
Connect your BNPL accounts and email receipts to get a unified calendar of every Klarna, Afterpay, and store-plan installment, plus an overcommitment warning before the next tap-to-pay moment.
Consumers actively using Buy Now Pay Later across multiple retailers who want to avoid stacking hidden debt
- Unified BNPL calendar with total due this week and per-installment cash flow forecast
- Overcommit alerts when projected installments cross a budget threshold before a new purchase
- Refund and return tracker that automatically adjusts upcoming installments when a return posts
- Spending breakdown by category and retailer to surface habit loops like athleisure or beauty splurges
Klarna is rolling into physical retail with Lululemon across 21 UK stores, signalling BNPL is now a multi-channel default and harder to track in your head.
CFPB data cited by BNPLViz shows 63% of BNPL users juggle multiple loans and 43% have paid late because they lost track; BNPL market is $44.89B in 2025 toward $286B by 2034 with 380M+ users globally.BNPLViz - Track All Your BNPL Payments in One Place ↗Buy Now Pay Later Market Size, Statistics, Report, 2034 ↗
Direct head-to-head competitors already exist: Frizzbee (email-forwarding, tracks Klarna/Afterpay/Affirm/Sezzle/Zip/PayPal Pay Later, live on App Store) and BNPLViz (Plaid-based, 500+ on waitlist, priced $4.99/mo, launching March 2026); Statementbear offers a bank-statement-based tracker.Frizzbee — Track & Manage Your Buy Now Pay Later Plans ↗BNPLViz - Track All Your BNPL Payments in One Place ↗
Frizzbee proves a freemium model works at $3.99/mo Pro (email scanning, AI assistant, household tracking) and BNPLViz is testing $4.99/mo, but BNPL users skew budget-conscious and the core reminder use-case is table-stakes free, so conversion is uncertain.Pricing — Frizzbee ↗BNPLViz - Track All Your BNPL Payments in One Place ↗
BNPL GMV is growing at a 23% CAGR to $286B by 2034 and providers are expanding into physical retail (Klarna/Lululemon) and longer-duration loans, keeping the multi-account tracking problem durable.Buy Now Pay Later Market Size, Statistics, Report, 2034 ↗
Buildable via Plaid + email-receipt parsing (Frizzbee and BNPLViz both ship this pattern), but aggregating across 5+ BNPL providers with inconsistent email formats and bank-merchant strings is non-trivial, and Open Banking/PSD2 consent flows add friction.Frizzbee - Apps on Google Play ↗BNPLViz - Track All Your BNPL Payments in One Place ↗