Who it is for
Anyone selling something over $500 to people who flinch at the total.
Business and Money · Builder · Free
Turn a scary price into a yes Payment Plan Builder
Big number scares customers off. Break it into a deposit and payments, see what you collect and when, and print the schedule.
Runs in your browser. Nothing to install. Save the result or embed it on your site.
Your details
Flat percentage of the full price, added before the deposit. This is not APR. Confirm permitted fees and the agreed total.
What you built
Regular payment across 6 installments: $560.00
$560.00
Regular payment across 6 installments
after $1,440.00 down; final $560.00
$1,440.00
Cash up front
$3,360.00
Financed
$4,800.00
Total collected
Month 6
Paid in full by
The schedule. Print it and attach it to the invoice.
| When | Amount |
|---|---|
| Deposit today | $1,440.00 |
| Payment 1 | $560.00 |
| Payment 2 | $560.00 |
| Payment 3 | $560.00 |
| Payment 4 | $560.00 |
| Payment 5 | $560.00 |
| Payment 6 | $560.00 |
| Total collected | $4,800.00 |
Show the total of $4,800.00, the $1,440.00 deposit, and the complete schedule together. The final payment is $560.00.
Amounts reconcile to cents; the final installment carries any rounding remainder. These are proposed amounts, not an authorization to charge. Confirm the schedule, fees, and payment consent in your actual agreement.
What this assumed
- This builds a simple in-house schedule. It is not a credit product and it does not compute APR.
- The fee is a flat percentage of the full price, added before the deposit is calculated; it is not an APR or a charge authorization.
Runs in your browser. Nothing you type is sent anywhere.
Not financial advice
This is an illustration, not personalized financial advice. It does not account for your full financial picture, and nobody here is your financial advisor. Talk to a licensed professional before acting on a number from a free calculator.
You ran this on October 5, 2026. Rates and rules change, so check the date before you rely on a saved copy.
What this tool actually does for you
The problem it points at
Customers do not say the price is too high. They say they need to think about it. Usually it is a cash flow problem, not a value problem.
What you walk away with
A payment structure you can offer on the spot, with the schedule in hand.
How to use it
Enter the pieces and the tool assembles them.
- Enter the total price and the deposit you want up front.
- Set the number of payments.
- Show the customer the full price, deposit, every installment, and any fees together.
Keep learning
Go a little deeper.
See how this tool fits a practical task, with a guide you can follow at your own pace.
Put this tool on your own website
Free forever. I host it. You keep it.
This is a real lead magnet you can run on your own site tonight. Somebody lands on your page, plays with the numbers, sees what their problem costs, and now they are on your website instead of a competitor's. Costs you nothing, and I keep it working.
- Scroll up and press Put this tool on my website. The code appears right there, no form.
- Copy the one line you get.
- In your website editor, add an Embed, HTML or Custom Code block on whatever page you want it on.
- Paste it in, save, publish.
- Check it on your phone, then send people to that page.
Works on
WordPress, Wix, Squarespace, Shopify, GoDaddy, Webflow, Duda, HubSpot, ClickFunnels, or plain HTML. Anywhere that takes an embed code.
What it costs you
Nothing. No monthly fee, no expiring trial, no watermark you have to pay to remove. If you get stuck putting it in, text me at (903) 500-8898 and I will help you place it.
Part of these collections
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Now imagine the whole website doing real work.
A five-page site built to capture leads and follow up, in accounts you own. The result is a working site, not a promise of leads.