Affirm: Pay over time
90
Quality Score
Transcendent
Affirm: Pay over time
High confidence
✍️ bumetric analysis
“
This app targets the point-of-sale financing niche, competing directly with services like Klarna, Afterpay, and PayPal Credit. Its substantial user base, evidenced by over a million ratings and a high average rating, indicates strong market penetration and user satisfaction. The estimated monthly revenue, while modest for its user count, suggests a mature product with established traction rather than an early-stage startup. This isn't a growth-stage app; it’s a dominant player maintaining its position. In the shopping category, a common monetization observation is the reliance on merchant fees rather than direct consumer IAPs. While this app is freemium, its revenue likely stems from a percentage of transactions facilitated, with premium features or the Affirm Card driving further engagement and transaction volume for their merchant partners, rather than direct subscriptions or one-time purchases from users.
BU Score 90 · Transcendent — category-leading momentum. The full Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track snapshot history and revenue forecast in the Performance section below.
💰 Monthly revenue · now vs forecast
● Right now
$5.0K
per month
→
12-mo forecast
$5.2K – $10.8K
per month
→
24-mo forecast
$6.4K – $19.2K
per month
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
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Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
🤖Also on Android
$2.1K/mo · 564K ratings · 4.8★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$115K
↳ What it cost to build · not monthly revenue
Likely range $85K – $155K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in ~11 months at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (145 MB) | +$38K |
| ⚙ Shopping complexity ×1.30 | +$26K |
Total estimate
$115K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$200K
↳ What it would sell for · not monthly revenue
Marketplace range $150K – $250K · 19× MRR multiple
💸
~1.7× build cost (break-even+)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Shopping category multiple | +2% |
| ⭐ Mature user base (1M+ ratings) | +8% |
Final multiple
19× MRR
👥 Estimated audience size
171.0M
Lifetime downloads (US-equivalent)
Monthly active
20.5M
Daily active
3.6M
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Shopping engagement | ~100 installs / rating |
| 🔁 Shopping D30 retention | 12% |
| 📍 DAU / MAU stickiness | 0.18 |
DAU / MAU
18% sticky
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 49/100MID TIERunderperforming peersGrowth Velocity
5.0
Founder Strength
5.0
Product Quality
9.7
Revenue Strength
3.7
Monetization Maturity
1.0
Defensibility
4.5
Market Position
0.3
Operational Safety
10.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.87★ across 1,713,814 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K. Portfolio play ($10K/mo combined) commands premium.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 11 of 11 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| High install base (1,713,814 ratings)METRIC | +$12,000 | |
| Excellent rating (4.9★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| cancelledREVIEW | −$1,500 | |
| excellent appREVIEW | +$1,500 | |
| Mature app (10y old)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| support teamREVIEW | +$900 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v4.67.1
- Bug fixes & performance improvements
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Affirm: Pay over time
- Developer
- Affirm, Inc.
- Bundle ID
- com.affirm.recharge
- App Store URL
- Open in App Store
- Category
- Shopping
- Content rating
- 17+
- Languages
- EN, FR
Company
- Website
- www.affirm.com
- Tagline
- Three days of 0% APR options
- Description
- Buy now pay later without the fees. Flexible payment options with longer plans, lower payments, and no fees. Pay in 4 interest-free or get more time and see your total cost upfront.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $10.3K/mo
- Top-grossing rank
- Outside top 100 in US Shopping
- All-time revenue
- Not found
- Pricing
- Not found
Founder
- Name
- Not found
- X / Twitter
- twitter.com/Affirm
- linkedin.com/company/affirm
- GitHub
- Not found
- X followers
- Not found
- Public statements
- Not found
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
- Socials
- facebook facebook.com/AffirmInc · instagram instagram.com/affirm · linkedin linkedin.com/company/affirm · twitter twitter.com/Affirm
- Not found
- Phone
- Not found
- Contact page
- affirm.com/help
- About page
- affirm.com/about
✨AI Revenue EstimateCONFIDENCE: LOW
The iOS app "Affirm: Pay over time" is a free utility app that facilitates Affirm's buy now, pay later services. Its direct revenue from in-app purchases or subscriptions is likely negligible or zero. Affirm's overall company revenue, generated primarily from merchant fees and interest on loans, was $1.04 billion in Q3 Fiscal 2026 (ended March 31, 2026) and is projected to be between $4.175 billion and $4.205 billion for the full Fiscal Year 2026.
Sources mentioned: Sensor Tower, Statista, Adapty, Reddit, PYMNTS.com, Wikipedia, TradingView, The Wall Street Journal, Investing.com, The Motley Fool
📈Ratings growth1,713,814 ratings+36% lifetimeShow 3-year history estimate ▾
Tracked (23 weeks) Pre-tracking estimate (37 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Pay over time with Affirm online, in-store, and in the app. Plus, eligible customers can get the Affirm Card™ to use anywhere Visa is accepted in the U.S., or pay with Affirm on Apple Pay.
Why you’ll love the Affirm app:
• See your purchasing power front and center
• Shop brands with clear, flexible payment options
• Discover deals, 0% APR options, and plans over 12 months
• Set up AutoPay or easily make early or one-time payments
• Request to pay over time with the Affirm Card online or in-store
Take your Affirm Card everywhere:… View full description on the official store →
Why you’ll love the Affirm app:
• See your purchasing power front and center
• Shop brands with clear, flexible payment options
• Discover deals, 0% APR options, and plans over 12 months
• Set up AutoPay or easily make early or one-time payments
• Request to pay over time with the Affirm Card online or in-store
Take your Affirm Card everywhere:… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 145 MB🔞 17+📱 iOS 16.0+🔖 v4.67.1🔄 updated 0d ago🌐 EN, FR📂 Shopping💰 Paid
📅
What Worked™ · Development Pipeline
10 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-05
⭐
Rating ↑ 3.50 → 4.87 (improved 1.37★)
2026-05
🔄
Monetization changed: freemium → free
2026-03
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
2025-11
📈
Crossed 100 ratings — social-proof flywheel kicking in
2025-10
📈
Crossed 50 ratings — social-proof flywheel kicking in
2025-10
📈
Crossed 10 ratings — social-proof flywheel kicking in
2025-10
⭐
Rating ↓ 3.00 → 2.33 (dropped 0.67★)
2025-10
🚀
First tracked snapshot — initial data captured
2025-10
⭐
Rating ↑ 1.00 → 3.00 (improved 2.00★)
🔔
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for Affirm: Pay over time: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
About this analysis
Why high confidence: 1,713,814 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
4 answers · auto-generated from this app's public dataHow much does Affirm make per month?▴
Based on our ML-calibrated revenue forecast, Affirm earns approximately $10K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
What apps are like Affirm?▴
Browse the full Shopping category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
Who makes Affirm?▴
Affirm is published by Affirm, Inc. on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Affirm's BU Score?▴
Affirm has a BU Score of 90/100 (Transcendent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.