How to track a Buy Now Pay Later plan
After this guide, you'll be able to: Add a BNPL plan (Afterpay, Laybuy, Zip, etc.) so each installment appears in your upcoming commitments.
Published 21 April 2026
- 1
Go to Bills & Commitments and tap "+ Add BNPL plan"
Open Bills & Commitments. Tap the BNPL section or find "Add BNPL plan" in the add menu.
- 2
Enter the plan details
Fill in: Provider (Afterpay, Laybuy, Zip, Klarna, or custom), total purchase amount, number of installments, installment cadence (weekly, fortnightly, monthly), and the date of the first payment.
Afterpay is typically 4 payments fortnightly. Laybuy is typically 6 payments weekly. Check your plan confirmation for the exact details.
- 3
Review the generated schedule
Owdyn shows you the full installment schedule — each due date and amount. If the last installment is slightly different due to rounding, Owdyn handles it automatically. Confirm the schedule looks right.
- 4
Save the plan
Tap Save. Each installment appears as an upcoming commitment and reduces your Safe-to-Spend on its due date.
What happens next
As you make each installment payment, mark it paid in Owdyn (or let the transaction auto-match from your bank import). Once all installments are paid, the plan is marked complete.
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