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Car Loan Payment & Payoff Calculator With Trade In

Michael Jones

Auto Loan Expert

monthly
payment
$0
PURCHASE
PRICE
0
$0
payment
$0
interest paid
0
years to repay
extra
payment
$0
interest saved
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years saved

What's Covered?

Introduction

Our auto-loan calculator gives you a full break down of the costs you should expect from your car financing. Unlike most auto-loan calculators, our calculator allows you to include a range of different fees, taxes, and payments to ensure you know the true cost of your loan.

 

To get started, input the total purchase price of your vehicle along with the frequency of your payments. After this, determine your downpayment and if your current car has any trade in value.

 

Under the ‘Taxes And Fees’ tab, enter your prospective loan’s interest rate and payment term. After this, enter title and registration fees, along with your sales tax rate. Determine if your TT & L are included in the loan, as well as whether your sales tax is tax deductible.

 

If you plan on making extra monthly payments to reduce the term of your loan, enter the extra monthly payment under the ‘Save Via Extra Payments’ tab.

 

A summary of your costs will be displayed underneath the calculator. Our calculator will then give you a full breakdown of all the costs you should expect to pay throughout the duration of your loan. As you can see, it’s a great way assess the viability of your car payments. We consider all the different factors for your auto loan to help you make your decision.

 

Here Are Some Reviews of More Calculators for Your Convenience

Standalone Calculators

OnlineLoanCalculator.org – OnlineLoanCalculator.org is a website that does one thing and one thing only: calculate your auto loan. It has a simple and easy-to-read interface that tells you the amount of your monthly payments, the total amount you will pay, the total interest you will pay and the date of your final payment. It also provides an annual amortization schedule, which allows you to see exactly how much of your money will be going toward the principal and the interest at the end of each year

 

Calculator.net – Calculator.net is a website devoted to calculators of all types, and among the wide selection of offerings is its auto loan calculator. One of the most useful features of Calculator.net is the reverse auto loan calculator, which allows you to input a monthly payment and loan terms. It then lets you know the total price of the vehicle you can afford.

 

CalculatorSoup – Calculator Soup is another all-calculator website that includes a car loan calculator. The bare-bones interface is easy to read, and it provides numbers in black and white with no distracting images, graphs or ads. If you would like to see a monthly amortization schedule, all you have to do is click the link.

 

Calculators from Automobile Specialists

Edmunds.com – Edmunds.com is one of the most trusted automobile reviewers in the world, and its auto loan calculator offers several unique features. For instance, you can select the year, make and model of a vehicle, and it will give you the calculations based on its proprietary True Market Value, which is based on what others are paying for the same vehicle in your area. The calculations also take into account sales tax and the fees for title and registration. In addition, incentives and rebates will auto-populate when they are available where you live.

 

Cars.com Cars.com is one of the most widely used websites for finding new and used vehicles online, and it provides visitors with a suite of useful calculators. The base finance calculator gives you the estimated payments and total price, and it also allows you to search for cars for sale in your price range. The affordability calculator estimates the maximum amount of the loan you can take out while the final two calculators tell you whether it makes better financial sense to choose a cash-back rebate versus a low interest rate and taking out a loan versus signing a lease.

 

Kelley Blue Book – Kelley Blue Book (KBB) is one of the most trusted vehicle-valuation organizations in the world, and its online portal provides a basic auto loan calculator with several options, depending on what type of car you are buying and who is selling it. However, it is important to understand that KBB has partnered with LightStream from SunTrust Bank, and instead of a button to run the calculations, the button allows you to apply for an auto loan.

 

Calculators from Banks and Lenders

U.S. Bank – U.S. Bank is a popular financial institution with retail locations across the country. This bank’s loan payment calculator helps you determine the amount of your monthly payment, and it provides a side-by-side graphic comparison of how different terms will affect the payments. Separate, color-coded graphs tell you the amounts for alternate payoff periods and how the down payment affects monthly payments. Finally, an amortization schedule is provided at the bottom of the page.

 

USAA Federal Savings Bank – USAA is a financial institution dedicated to members of the U.S. armed forces and their families, and it offers competitive rates for those who qualify. USAA provides three separate auto loan calculators: one for new cars, one for used cars and one for refinancing existing loans. All of the calculators are based on USAA’s current interest rates, which include the standard rate and the USAA Car Buying Service Discount rate.

 

Capital One – Capital One is the fourth-largest credit card issuer in the U.S., but this financial giant is also a popular lender for auto loans. The Capital One auto loan calculator has a sleek interface with sliding bars rather than bland input fields, and the results are in a large, blue font that is easy to read. Auto loan calculators for more specific needs are also available, including those for new car financing, used car financing and auto loan refinancing.

 

Insurance Company Calculators

State Farm Mutual Insurance Company – State Farm is a popular auto insurance company, but it also provides several types of auto loan calculators that are difficult to find anywhere else, such as the auto loan comparison calculator, car value calculator, value depreciation calculator, and the cash versus financing calculator. The only problem is that all of these calculators are rather basic, and some take longer than others to load.

 

Nationwide Mutual Insurance Company – Nationwide is on your side when it comes to insurance, but it also provides a simple auto loan calculator with separate tabs for purchasing and refinancing. The results populate just to the right of the input fields, so there is no need to scroll through the page to enter different terms, and Nationwide now underwrites auto loans, allowing you to apply with the click of a button.

 

Financial Advisor Calculators

Yahoo! Finance – While Yahoo! has been struggling to stay afloat among strong competitors, Google and Microsoft’s Bing, the company still provides a wide range of useful tools, including an auto loan calculator. The Yahoo! payment calculator is a no-nonsense, table-based spreadsheet that lines all the values into a single row for easy input and reading.

 

Bankrate – Bankrate has been in business since 1976 and is now the premier publication on all aspects of banking and finance. The Bankrate suite of auto loan calculators is in a league all its own, and you will be hard pressed to find a need to use the calculators on any other website. Among the large selection of auto loan calculators available are those for negative equity, buying versus leasing, new versus used cars, choosing a hybrid car, interest rate and rebate comparison, determining a down payment, the true cost of auto leasing, early payoff, rebate versus low interest and a simple calculator when you just need the basics.

 

car loan payment calculator

Other Types of Car Calculators

 

Calculator Source

Calculate How Much Car I Can Afford

Edmunds

Calculate How to Pay Off a Car Loan Faster

Bankrate

Calculate How Much Car Insurance I Need

Insurance.com

Calculate How Long My Car Will Last

Autotrader

Calculate When to Sell Your Car

Allstate

Calculate What My Car Payment Will Be

CalcXML

Calculate How Much Your Car Is Worth

Kelly Blue Book

Calculate How Much Your Car Insurance Will Cost

Geico

Calculate What Tires Fit My Car

Goodyear

Calculate What Car I Can Afford

MoneyUnder30

Calculate How Much I Can Spend On a Car

Cars.com

Calculate How Many Miles per Gallon My Car Gets

Mistupid.com

Calculate How Much My Car Accident Claim is Worth

Alllaw.com

Calculate How Many Miles My Car Should Have

Privilege.com

Calculate How Much My Classic Car is Worth

Cars.com

Calculate How Much to Fill Up My Car

GasBuddy.com

Calculate When My Car Loan Will Be Paid Off

CalcXML

Calculate What Kind of Car I Can Afford

US News and World Report

Calculate Auto Loan When You Owe On A Trade In

Autotrader.com

Calculate Taxes for Company Car

Calculator Pro

Calculate What My Car Can Tow

Husky Tow

Calculate What Car Lease I Can Afford

Financial Mentor

Calculate Taxes for a Car

DMV.org

Calculate When to Buy a New Car

Atra.com

Calculate How Much Car Loan Interest

Interest.com

Calculate How Much My Car Will Depreciate

GoodCalculators.com

Calculate How Much a Car Accident Settlement is Worth

Injury Claim Calculator

Calculate How Much to Sell Your Car For

Carfax

Calculate the Cash Price of a Car

Allstate

Calculate How Much Salary to Buy a Car

Good Financial Cents

Calculate How Hot It Is In the Car

AVMA

Calculate How Much Carbon Dioxide Your Car Emits

Carbonfootprint.com

Calculate How Many Feet to Stop at 60 MPH

Random Science Tools

Calculate Debt to Income Ratio for Car Loan

Bankrate

Calculate Cost of Buying a New Car vs Keeping Your Car

State Farm

Calculate How Much I Should Pay for a Used Car

Edmunds

Calculate How Long to Save Up for a Car

Ally

Calculate How Much My Accident is Worth

Accident Values

Calculate How Fast a Car Will Slow Down

Omni

Calculate 10-Day Payoff for Auto Loan

Free Online Calculator Use

Calculate When My Car Will be in Positive Equity

Bankrate

Calculate How Much Force to Stop a Car

Smart Conversion

Calculate Car Lease Residual Value

LeaseHackr

Calculate Car Rebate

Interest.com

Calculate How Much is Going to Principal for a Car Loan

Investing Answers

Calculate Per Diem Car Loan Interest

AnyTimeEstimate

Calculate How Much I Can Get for Hail Damage on My Car

PARS Certified

Calculate How Much My Insurance Pays for My Totaled Car

The Balance

Calculate How Much an Exotic Car Depreciates

CarPaymentCalculator.net

Calculate How Often I Should Change My Car’s Oil

Angie’s List

Calculate How Many Gallons Per Hour for a Car

It Still Runs

Calculate How Much to Register a Car in California

California DMV

Calculate Car Loan Interest Over Time

OnlineCalculator.org

Calculate How to Save for a Car

TheCalculatorSite

Calculate the Speed of My Car Impact

Scholarly Common Law

Calculate How Much Paint I Need for My Car

Sherwin Williams

Calculate How Much Horsepower My Car Has

Calculator.net

Calculate What Rims Fit My Car

Will They Fit

Calculate How Much I Can Save By Paying Off My Car Loan Early

Road Loans