BNPL Debt Stacking Simulator (2D)

Weekly Finances

Weekly disposable income $400

New BNPL purchase chance/week 28%

Average purchase size $180

Installments per plan 4

Live State

Stacking risk score0 · Low

Active BNPL plans

This week's burden

Outstanding balance

Missed installments

pending paid due now missed / delinquent

How it works

Each Buy Now, Pay Later plan splits a purchase of principal P into N equal installments, one due per week:

installment = P / N

Because BNPL providers rarely share data with each other or with traditional credit bureaus, a shopper can open several plans in parallel — loan stacking — that no single lender's underwriting ever sees together. Every week, this simulator sums every installment currently due across all active plans and pays them oldest-first out of your weekly disposable income:

burden(week) = Σ installments due this week
if burden ≤ income:  all paid
else: pay oldest-first until income runs out,
      remainder → missed, fee applied:
      amount_next = amount × (1 + late_fee_rate)

A missed installment rolls into next week's queue at a higher balance, competing with newly-originated plans — the same compounding mechanism behind real-world "phantom debt" reports, where BNPL delinquency snowballs faster than any one lender's default rate suggests. The risk score blends three signals:

risk = 55 × (burden / income)
     + 25 × (missed_this_week > 0 ? 1 : 0)
     + 20 × (active_plans / 12)

Skyline bars — one column per active plan, each segment an installment (blue = pending, amber = due this week, teal = paid, red = missed and accruing a late fee).
Scrolling chart — weekly burden vs. disposable income; the burden line crossing above the income line marks a week where something has to be missed.
Raise the purchase chance or lower income to see how quickly stacking turns manageable payments into a delinquency spiral — the core risk regulators flag with uncapped BNPL borrowing.

This 2D companion runs the identical week-by-week ledger as the 3D version (same origination, oldest-first payment, and late-fee logic) on a flat bar skyline plus a scrolling burden/income chart instead of a 3D tower ring.

Week 0