Auto Finance

Car Loan Calculator

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

Vehicle & Loan
$
$
14.3%
$
$
%
7.5%
Monthly Payment
$0
Principal & interest
Total Interest
$0
Cost of borrowing
Total Loan Cost
$0
Principal + interest
Loan Composition
Principal — Interest —
Payoff: —
Break-even: —
Interest/Mo avg: —
Amortization
Application & Dealer Fees
Taxes & Government
%
$
$
Ongoing Monthly
$
$
$
$
Total Monthly (incl. fees)
$0
Loan + insurance + fuel + etc.
Upfront Total
$0
Down + fees + tax + reg
Monthly Cost Breakdown
Fee Summary
Vehicle Info
$
Depreciation Method
%
15%
%
12%
Value at Loan End
$0
After loan term
Total Depreciation
$0
—% 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.

Resale Assumption
Used to calculate net cost after selling.
$
Per-km Cost
—
Cost per kilometre (all-in)
Full Cost Breakdown
Cost Distribution
Schedule Options
$
With Extra Payments
Interest Saved
—
Months Saved
—
New Payoff
—
Balance with Extra Payments
Standard
With Extra
Amortization Schedule
Period Payment Principal Interest Extra Balance