Car Finance Tools
Plan your car payment with confidence.
Estimate monthly payments, compare auto loans and leases, and see the full cost of owning a car — fast, mobile-first, and privacy-respecting.
What do you want to calculate?
See all →- Auto Loan PaymentEstimate your monthly car payment, total interest, and out-the-door cost from price, down payment, APR, term, trade-in, taxes, and fees.Open calculator
- AffordabilityEstimate how much vehicle you can afford based on income, debts, payment comfort tier, down payment, APR, and term.Open calculator
- Lease PaymentEstimate your monthly lease payment from MSRP, selling price, residual, money factor or APR, taxes, fees, and incentives.Open calculator
- Lease vs BuyCompare leasing and financing across a chosen horizon: monthly cost, upfront cash, total cost, interest, equity, and mileage exposure.Open calculator
- RefinanceCompare your current auto loan to a refinance option. See monthly savings, breakeven month, and the impact on total interest.Open calculator
- Extra PaymentsSee how monthly, annual, or one-time extra payments shrink your auto loan, save interest, and shorten the payoff date.Open calculator
- Trade-In / Negative EquityCalculate trade equity, negative equity, new amount financed, payment impact, and loan-to-value when rolling in a trade.Open calculator
- Total Cost of OwnershipEstimate the all-in cost of owning a car: financing, depreciation, insurance, fuel, maintenance, repairs, registration, and more.Open calculator
- Sales Tax & FeesEstimate sales tax, documentation, title, registration, and dealer fees, plus out-the-door price and amount financed.Open calculator
All calculators
Frequently asked questions
- How do I estimate a car payment?
- Enter the vehicle price, down payment, APR, and loan term in our auto loan calculator. The estimated monthly payment is computed from the amount financed (price plus tax and fees minus down payment, positive trade-in equity, and rebates) using the standard fixed-rate amortizing payment formula. Results are estimates, not lender quotes.
- Is a car lease payment calculated the same way as a loan payment?
- No. A loan payment amortizes principal and interest. A lease payment combines a depreciation charge — (adjusted cap cost minus residual) divided by the lease term — with a finance charge based on the money factor (a small decimal that approximates APR ÷ 2400). Use the lease calculator to estimate; final terms come from the leasing company.
- How does negative equity affect a car loan?
- Negative equity is the amount you owe on a trade-in beyond its value. If rolled into a new loan it raises the financed amount, the monthly payment, and the loan-to-value, and can leave you underwater on the new vehicle. Our trade-in and LTV calculators flag this so you can see the impact.
- When can refinancing an auto loan save money?
- Refinancing may help when rates have dropped, your credit has improved, or you want to change the term. Always check the breakeven on upfront fees and watch the term-reset trap — a lower payment on a longer term can increase total interest. Our refinance calculator compares both sides side-by-side. Actual savings depend on lender approval.
- What costs should I include beyond the monthly payment?
- Insurance, fuel or electricity, maintenance, repairs, registration, parking and tolls, and depreciation are all part of the real cost of owning a car. The total cost of ownership calculator and the fuel cost calculator estimate these line items based on your inputs.
- Are the taxes and fees exact?
- No. Sales tax, documentation, title, registration, and dealer fees vary by state, locality, dealer, vehicle type, incentives, and timing. Our sales-tax-and-fees calculator estimates them based on the values you enter; verify the exact amounts with your dealer and state DMV.
Estimate only. Estimate only. Not a loan offer, lender quote, dealer quote, lease agreement, retail installment sales contract, DMV estimate, or financial advice. Actual rates, payments, taxes, fees, incentives, residual values, insurance, fuel, and maintenance costs may vary.