Auto Loan Calculator

How to use this calculator

Enter vehicle price, down payment or trade-in, APR, and loan term. The calculator estimates financed amount, monthly payment, and total interest.

When this calculator is useful

• Comparing 48/60/72-month loan terms
• Understanding payment versus total cost
• Avoiding affordability surprises

Important limitations

Taxes, title, registration, dealer add-ons, insurance, maintenance, and negative equity are not fully modeled.

For best results, run at least three cases: a conservative case, a middle case, and a stretch case. If a small change in inputs creates a big change in the answer, that is a sign the decision may be sensitive to rates, fees, timing, or market performance.