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Auto loan calculators

Every calculator runs in your browser and nothing you type is sent to us. Start with the payment, then check the total cost of the loan.

By the AutoLoanable Editorial Team · Last updated 2026-09-17

Compare personal loan offers Run the numbers first

The lowest rates are only available to the most qualified applicants.

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All calculators

Auto Loan Calculator Estimate the monthly payment on a car loan from the price, down payment, trade-in, sales tax, rate, and term, plus the total interest and the total cost. Car Loan Payment Calculator Work out the monthly payment on a car loan from the amount financed, interest rate, and term, and see the total paid and total interest over the loan. Auto Loan Payoff Calculator See how many months are left on your auto loan at your current payment, how much interest remains, and how much an extra monthly payment can save you. Auto Loan Refinance Calculator Compare your current car loan with a refinance offer: old and new payments, total interest before and after, the break-even point, and net lifetime savings. Car Affordability Calculator Find the maximum monthly car payment and vehicle price your debt-to-income target allows, using your income, existing debts, down payment, rate, and term. Car Loan Interest Calculator Calculate the total interest on a car loan from the amount financed, rate, and term, and see the monthly payment and interest as a share of the principal. Auto Loan APR Calculator Turn a stated car loan rate and an up-front fee into the true APR, with the monthly payment, the net amount received, and the spread over the stated rate. Lease vs Buy Car Calculator Compare the total cost of leasing a car with buying it: down payment and payments for the lease against the loan payments minus the resale value for the buy. Car Down Payment Calculator See how the down payment changes your car loan: the amount financed, monthly payment, total interest, and the payment if you doubled the down payment. Auto Loan Amortization Calculator Build a year-by-year amortization schedule for a car loan and see how each year splits between principal and interest, with the payment and total interest. Car Loan Total Cost Calculator Add sales tax, doc, title, and registration fees to the vehicle price, then see the out-the-door price, amount financed, monthly payment, and total loan cost. Auto Loan Comparison Calculator Compare two auto loan offers side by side: each monthly payment, total cost including fees, and APR, plus which offer costs less overall and by how much. Biweekly Car Payment Calculator See the biweekly payment that matches your car loan, the extra paid each year, the shorter payoff time, and the interest saved compared with monthly payments. Debt-to-Income Ratio Calculator Work out your housing ratio and total debt-to-income ratio from your income and monthly debts, and see how auto lenders are likely to view the result.

Which calculator should I start with?

  1. Shopping for a car?

    Start with the car affordability calculator to find the price your income and debts actually support, then the auto loan calculator for the payment on a specific vehicle.

  2. Already have a loan?

    Use the payoff calculator to see what an extra monthly payment saves, and the refinance calculator to test whether a new rate beats your current one after fees.

  3. Comparing two offers?

    The comparison calculator puts two rate/term/fee combinations side by side and shows which costs less overall — not just which has the lower payment.

  4. Lease or buy?

    The lease vs buy calculator totals both paths over the same period, including the resale value you give up when you lease.

Related reading

Frequently asked questions

Are these auto loan calculators free?
Yes. Every calculator on AutoLoanable runs in your browser, is free, and requires no sign-up. Nothing you type is sent to us.
How accurate are the results?
The calculators use the standard amortization and APR formulas used across consumer lending. They give an accurate estimate for the numbers you enter, but the exact figure depends on your lender's fees, the day interest starts accruing, and rounding.