Auto Loan Calculator
Runs locally in your browser. Nothing leaves your device.Calculate amount financed, monthly payment, interest and total payments for a vehicle purchase.
Calculate the monthly payment and total cost of your vehicle financing.
Result
Regular monthly payment
€521.99
- Amount financed
- €27,000.00
- Total interest
- €4,319.14
- Total loan payments
- €31,319.14
- Cash due at purchase
- €3,000.00
- Total cash paid
- €34,319.14
- Financing ratio
- 90 %
Details and payment schedule
- Vehicle price after discount
- €30,000.00
- Tax amount
- €0.00
- Financed extras
- €0.00
- Upfront extras
- €0.00
- Trade-in equity
- €0.00
- Purchase cost before interest
- €30,000.00
| Year | Opening balance | Interest | Payments | Principal | Closing balance |
|---|---|---|---|---|---|
| 1 | €27,000.00 | €1,490.14 | €6,263.83 | €4,773.69 | €22,226.31 |
| 2 | €22,226.31 | €1,195.71 | €6,263.83 | €5,068.12 | €17,158.20 |
| 3 | €17,158.20 | €883.12 | €6,263.83 | €5,380.71 | €11,777.49 |
| 4 | €11,777.49 | €551.25 | €6,263.83 | €5,712.58 | €6,064.92 |
| 5 | €6,064.92 | €198.91 | €6,263.83 | €6,064.92 | €0.00 |
How it works
- 1
Enter vehicle price and financing
Enter the vehicle price, discount, down payment, interest rate, and term.
- 2
Add trade-in, balloon, and extra costs
Optionally add a trade-in vehicle with its remaining loan, a balloon payment, and taxes or other costs - each either financed or paid upfront.
- 3
Review the payment and total cost
Review the monthly payment, total interest, and total cost, and download the payment schedule as a CSV if needed.
Good to know
The auto loan calculator works out the monthly payment for a vehicle purchase from price, down payment, interest rate, and term - and reflects real financing details: discounts, trading in an existing vehicle including its remaining loan balance, an optional final balloon payment, taxes, and additional costs such as registration fees or dealer add-ons, either financed or paid upfront.
Calculation runs locally in the browser, including a payment schedule you can download as a CSV. Insurance, depreciation, and the actual dealer terms should be compared separately.
Typical use cases
Account for a trade-in with an existing loan
Enter the value of your current vehicle and the remaining balance on its existing loan to see whether that results in positive or negative equity for the new financing.
Model balloon financing with a final payment
Turn on a balloon payment to compare lower monthly payments against a larger final payment at the end of the term - as commonly offered in dealer and lease-style financing.
Include taxes and extra costs in the payment
Add tax as well as official fees, dealer add-ons, or accessories, and decide for each item whether it is financed or paid upfront - for a realistic total payment instead of just the raw vehicle price.
Tips for better results
Watch for negative equity
If the old vehicle’s remaining balance is higher than its value, that creates negative equity, which increases the new financing amount. Check this case especially carefully before signing.
Plan for the balloon payment as a risk
A large final payment must be paid, refinanced, or covered by the vehicle’s value at the end of the term. Plan realistically how you will settle the balloon payment before relying on low monthly payments.
Features
Trade-in with existing loan
Accounts for the value and remaining loan of a trade-in vehicle, including possible negative equity.
Balloon financing supported
Model an optional balloon payment to weigh lower monthly payments against a larger final payment.
Payment schedule as CSV
Download the complete payment schedule with interest and principal per month as a CSV file.
Frequently asked questions
What happens with negative equity from a trade-in?
If the trade-in’s remaining loan is higher than its value, the difference is added to the new financed amount and increases the monthly payment.
What is a balloon payment?
A balloon payment is a larger final payment at the end of the term that lowers the monthly payments. It must be paid, refinanced, or covered by the vehicle’s value at the end.
Are taxes and registration fees included?
Optionally: you can add tax as well as official fees, dealer add-ons, or accessories, and choose for each item whether it is financed or paid upfront.
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