Shop Pay gives customers a faster checkout option and may also offer eligible customers the ability to split purchases into installment payments. Use the payment calculator below to estimate how a purchase may fit into your budget before checkout.

This tool is only an estimate. Final payment options, eligibility, payment amounts, APR, and approval are determined at checkout by Shop Pay Installments and Affirm.

Our position is simple: installment payments should help you plan—not pressure you to buy. Before using any pay-over-time option, make sure the purchase fits your actual budget, your monthly obligations, and your current financial priorities.

Important: Do not use installment payments to buy something you cannot afford. A smaller payment can make a purchase feel easier, but it is still a financial obligation. Review the total cost, payment timing, shipping time, and your current budget before completing your order.