Auto Finance

Car Loan Calculator

Monthly payments, true cost of ownership, depreciation & more.

Vehicle & Loan

Vehicle Price

Down Payment

14.3%

Trade-in Value

Loan Amount

Annual Interest Rate

7.5%

Loan Term

Start Date

Monthly Payment

Principal & interest

Total Interest

Cost of borrowing

Total Loan Cost

Principal + interest

Loan Composition

Principal — Interest —

Payoff: —

Break-even: —

Interest/Mo avg: —

Amortization

Application & Dealer Fees

Taxes & Government

Sales Tax Rate

Registration / Title Fees

Annual Road / License Fee

Ongoing Monthly

Car Insurance (monthly)

Fuel Cost (monthly)

Maintenance (monthly avg)

Parking / Tolls (monthly)

Total Monthly (incl. fees)

Loan + insurance + fuel + etc.

Upfront Total

Down + fees + tax + reg

Monthly Cost Breakdown

Fee Summary

Vehicle Info

Purchase Price

Vehicle Type

Loan Term (years, for loan balance overlay)

Depreciation Method

Year 1 Depreciation Override

15%

Annual Rate After Yr 1

12%

Value at Loan End

After loan term

Total Depreciation

—% of value lost

Underwater Period

—

Loan > car value

Value vs Loan Balance

Car Value

Loan Balance

Underwater zone

Year-by-Year Value

True Cost Summary

All costs over the full loan term, minus the car's residual value at the end.

Ownership Period (years)

Resale Assumption

Used to calculate net cost after selling.

Expected Resale Value

Per-km Cost

Annual Distance (km)

—

Cost per kilometre (all-in)

Full Cost Breakdown

Cost Distribution

Schedule Options

View

Extra Monthly Payment

With Extra Payments

Interest Saved

—

Months Saved

—

New Payoff

—

Balance with Extra Payments

Standard

With Extra

Amortization Schedule

Period	Payment	Principal	Interest	Extra	Balance