Automotive
Auto loan cost and payoff calculator
A car payment is only part of the purchase cost. Enter the vehicle price, taxes and fees, down payment, net trade-in equity, APR, and term to estimate the amount financed and scheduled payment. Then compare the modeled interest and payoff time if you add extra principal each month. The estimate uses monthly periods; your contract, daily interest, payment dates, and lender instructions determine the exact payoff.
Live calculator
Enter your details
Auto Loan Cost & Payoff Calculator
Estimate an auto loan payment, total vehicle cost, and how extra monthly principal could change the payoff.
Inputs used
Results
Vehicle price, entered taxes and fees, and modeled loan interest. Excludes ownership costs.
Additional notes
Your estimate
Results
Vehicle price, entered taxes and fees, and modeled loan interest. Excludes ownership costs.
Partner pick
Car payment trackerKeep due dates and payoff notes with your vehicle records.Paid link · Check current price ↗As an Amazon Associate I earn from qualifying purchases.The math, plainly
How it works
- 01
Add the vehicle price and the taxes and fees from your quote, then subtract your down payment and net trade-in equity. Negative equity increases the amount financed.
- 02
The scheduled payment uses a fixed-rate monthly amortization estimate. The comparison then models interest on the remaining balance each month and applies any extra payment to principal.
- 03
Vehicle cost adds the entered purchase price and fees to modeled loan interest. It does not include insurance, fuel, maintenance, or other ownership costs.
Try a real scenario
Compare an auto purchase
Inputs$32,000 vehicle, $2,500 taxes and fees, $4,000 down, 6.5% APR for 60 months, plus $100 monthly
Result$596.77 monthly as scheduled and $39,806.02 total vehicle cost. With $100 extra each month: 51 months, $38,907.50 total, and $898.52 less interest.
More from Amazon
More options for this calculator
Vehicle expense logbook (paid link)
Keep vehicle costs and maintenance notes in one record.
Auto loan amortization calculator (paid link)
Compare a handheld payment calculation with this payoff estimate.
Vehicle document organizer (paid link)
Store registration, insurance, and loan paperwork together.
As an Amazon Associate I earn from qualifying purchases.