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Free Online Calculators, Converters & Developer Tools

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  4. /Auto Loan Calculator

Auto Loan Calculator

Calculate your estimated monthly car loan payment based on loan amount, interest rate and term, with a full amortization schedule.

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How It Works

How auto loan payments are calculated

This auto loan calculator uses the same standard amortization formula as our other loan calculators: Monthly Payment = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate, and n is the total number of monthly payments over your loan term.

What this calculator doesn't include

This tool estimates principal and interest only. It doesn't include sales tax, registration fees, dealer add-ons, or trade-in value, all of which affect the actual amount financed and your real monthly payment.

Frequently Asked Questions

Should I use the total car price or the amount after down payment?

Enter the amount you're actually financing, meaning the car's price minus any down payment or trade-in value, since that's the balance the loan and interest are calculated on.

What's a typical auto loan term?

Common auto loan terms range from 36 to 72 months, with longer terms offering lower monthly payments but more total interest paid over the loan's life.

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