One unified calendar
Every installment across every provider on a single timeline, so a payment never sneaks up on you.
BNPL tracker
Finally, BNPL you can see.
Klarna, Affirm, Afterpay, Sezzle, and PayPal Credit — tracked in one calendar alongside your cards and loans, with alerts before the interest cliffs hit.
Payment-cliff alerts
We flag any BNPL plan due within 60 days, before retroactive interest can apply to the original purchase.
BNPL health score
A single number for your real BNPL exposure, so you always know whether you're in control.
Why it matters
The debt other apps pretend doesn't exist
Most budgeting and debt apps simply don't model BNPL. So your "total debt" looks smaller than it is, and four separate provider apps each show you one slice of the picture. Then a promotional window quietly ends and interest lands on the full original purchase.
Smart Debt Flow was built BNPL-first. It treats installment plans as real debt — folded into your payoff strategy, your timeline, and your alerts — so nothing hides and nothing surprises you.