Free Tool Furniture & Home

Flexible payments and financing
calculator for furniture brands

Klarna, Clearpay and finance plans like DivideBuy change the maths on every order, not just the checkout screen. Higher AOVs, different conversion rates, provider fees eating into margin.

As a Google Ads expert for furniture brands, I've built this calculator to model the real impact of offering flexible payments, so you can see whether it grows profit or just grows revenue.

Kiezo Growth · Furniture
Furniture Financing Margin Calculator
Offering Klarna, Clearpay or an in-house finance plan can lift conversion — but every customer who'd have bought anyway just costs you the fee. This tool finds the attach rate ceiling where financing stops paying for itself.
Order Value
AOV without financing offered
£
AOV on financed orders
£
Financing often lifts basket size — set equal to AOV0 if you don't expect a basket-size effect.
Margin & Fee
CM2 margin (% of AOV)
%
Financing provider fee (% of order value)
%
Klarna/Clearpay-style ≈ 4–6%. V12/Snap Finance and in-house plans often run differently — check your contract.
Order Volume
Baseline monthly orders (before financing)
Genuinely incremental orders/month from offering financing
Orders that wouldn't have happened at all without financing — your best estimate, not the total number of customers who use it.
Attach rate — % of all orders using financing
%
Inconsistent inputs. Your incremental order estimate is higher than the financed order volume this attach rate produces. Raise the attach rate or lower the incremental order estimate so financed orders can actually cover them.
✓
— —
Net margin impact / month
—
vs. not offering financing at all
Breakeven cannibalisation rate
—
max share of financed orders that can be "would have bought anyway"
Attach rate ceiling
—
before cannibalised volume turns the program margin-negative
Where you sit vs the attach rate ceiling
ceiling
0% attach100% attach
Net margin impact by attach rate incremental orders held fixed · cannibalised volume rises with attach
Net margin impact
Breakeven
Your attach rate
 

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