# BNPL Guard - Pay Later Track — Track every pay-later plan

> Track every pay-later plan (iPhone/iPad app by SHINOBU MIYAHIRA.)

- Source: https://appshunter.io/ios/app/bnpl-guard-pay-later-track/id6791828113 (this page in markdown: same URL + `.md`)
- Developer: [SHINOBU MIYAHIRA](https://appshunter.io/developer/6782739570)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 1 MB
- Languages: American English
- Released: 2026-07-24
- Data updated: 2026-08-02
- User reviews in markdown: https://appshunter.io/ios/app/bnpl-guard-pay-later-track/id6791828113/reviews.md

## What is BNPL Guard?

Four payments here, three payments there - Buy Now Pay Later debt hides in a dozen apps. BNPL Guard puts every plan on one calendar, so "phantom debt" can't sneak up on you.

TRACK EVERY PLAN, PRIVATELY
- Add plans from Klarna, Afterpay, Affirm, Zip, PayPal Pay in 4, Sezzle or any service
- Enter it once: total, payments left, amount, next due date
- No bank connection, no account, no data leaves your iPhone - ever

ONE CALENDAR FOR EVERYTHING
- See this week's and this month's total due at a glance
- A unified calendar shows every upcoming payment across all services
- Mark payments done and watch your balance shrink

STAY AHEAD OF DUE DATES
- Optional reminders the day before each payment (Pro)
- Payoff celebrations when a plan reaches zero

BREAK THE CYCLE
- Log the BNPL offers you resisted and watch your avoided-debt total grow

EXPORT
- PDF payment schedule you can save or share (Pro)

PRICING
Free to download - track up to 2 active plans forever. BNPL Guard Pro unlocks unlimited plans, reminders, and PDF export: $2.99/month or $14.99/year, each with a 7-day free trial.

BNPL Guard only tracks what you enter yourself. It doesn't connect to any BNPL provider or bank, and it never offers financial advice.

Privacy Policy: https://goonobu-dot.github.io/batch13-pages/bnplguard/privacy.html
Support: https://goonobu-dot.github.io/batch13-pages/bnplguard/support.html
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $2.99 | per month |
| Pro Yearly | $14.99 | per year |



## Version history (last 1 release)

### 1.0 — 2026-07-24

No release notes.

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All apps by SHINOBU MIYAHIRA: https://appshunter.io/developer/6782739570

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-02.*