Web app · Finance
PayLater Tracker
Every Klarna, Affirm, Afterpay and Zip plan on one screen
Add each pay-in-4 plan once and PayLater builds the whole installment schedule, totals what you actually owe, and lights up the calendar days where two or three payments land together. Mark installments paid, see the payoff order, and keep it all in your browser. Free, no account, no bank login.
Stored in your browser only. Nothing you do in the web version is sent to our servers. Clear your browser data and it's gone — so export a backup from the in-app menu if you want to keep it.
In your browser
What you can do in PayLater Tracker on the web
One total outstanding
Klarna, Affirm, Afterpay and Zip each show only their own plans. Due Soon stacks them: total outstanding, active plans, and everything landing in the next seven days.
Schedules built for you
Give it the merchant, provider, total, number of payments, cadence and first due date — PayLater splits the amount evenly, folds the rounding remainder into the last payment, and dates every installment.
Collision calendar
A month heatmap where one payment glows violet, two collide in amber and three or more turn red, with every collision day listed and a tap-a-day breakdown.
Mark paid, watch the balance fall
Tap the circle on any installment to clear it. The plan's remaining balance, payoff progress and your household total update everywhere at once.
Payoff insights
A donut of what you owe by provider, a payoff-order optimizer that switches between smallest balance and soonest due, an eight-week cash-flow chart, and an estimate of the late fees you have dodged.
Private by default
No account, no bank login, no server. Every plan, amount and date stays in this browser, and you can export the schedule as CSV or a JSON backup any time.
Screens
Every screen, rebuilt for the browser
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1
Due Soon
Total outstanding, what lands this week, and every plan with its payoff progress.
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2
Collision calendar
The month heatmap that flags the days two or three installments land together.
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3
Insights
Outstanding by provider, the payoff-order optimizer, late fees avoided and the eight-week outlook.
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4
Plan detail
Remaining balance, payoff bar and every installment with its due date and paid state.
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5
Plan form
Merchant, provider, total, payment count, cadence and first due date, with a live schedule preview.
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6
Every installment
Every unpaid payment across all providers, grouped by month with a running monthly total.
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7
Settings
Default provider and cadence, payoff strategy, CSV and JSON export, sample data and erase.
Try it with sample data: Loads seven plans across Klarna, Affirm, Afterpay, Zip and a dentist payment plan — 30 dated installments with several already paid, an overdue-free week ahead, and two genuine collision days where payments stack up. You can start fresh at any time.
Ready? It's free.
Sign in once and every All Things AI web app opens instantly. No install, no subscription, no data leaving your browser.
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Questions
Is the web version of PayLater Tracker free?+
Yes. Sign in with a free All Things AI account and use every screen — no subscription, no in-app purchases.
Where is my data stored?+
Only in this browser's local storage. Nothing you enter is sent to our servers, so we can't see it, back it up, or restore it. Clearing site data, a private window, or another device starts empty. Export a backup from the in-app menu to keep it.
Do I need an account?+
You can read about the app without one, but you must sign in to open it. Sign-in is free and takes a few seconds with Google.
How is the web version different from the PayLater Tracker iPhone app?+
No local reminders: the iPhone app nudges you two days before each due date and again on the day, while the web version relies on you opening the Due Soon list. PayLater Tracker is a personal organizer, not a payment processor, and is not affiliated with Klarna, Affirm, Afterpay or Zip. It never moves money — it tracks the plans and dates you enter. It never connects to a provider, so balances are only as current as what you type. Always confirm in the provider's own app. Late fees avoided is an estimate from each provider's typical missed-payment fee, not a statement of your account. Everything is saved in this browser only, so clearing site data erases your plans unless you exported a backup first.