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Auto Payment Comparison Calculator

Help me compare auto loans with different terms.

Calculate and compare (formatted side by side) the payment amounts for up to 4 auto loans. Use this calculator to help compare interest rates or see the effect of putting more money as a down payment. This calculator is also good for comparing lower-interest deals with cash back offers. ("Should I take the cash rebate and get a loan with a higher interest rate?") You can also see quickly what happens if you apply your trade-in and/or dealer rebate to the down payment or pocket it for something else.

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hi    Tiexseews Whats up? New here and just figured I should post and say hi. - 5/27/2010 7:55:38 AM Andre Those calculators do have serious flaws!!! In most states sales tax is calculated on the DIFFRENCE between new car price and trade!!! You have ignored this!! In most cases dealer rebates are TAXABLE!!! You ignore this as well... sorry! - 12/18/2009 10:29:49 PM http://auto.bizcalcs.com/Calculator.asp?Calc=Compare-Auto-Payments - 11/4/2013 2:50:47 AM

Tiexseews   Whats up? New here and just figured I should post and say hi. - 5/27/2010 7:55:38 AM

Andre   Those calculators do have serious flaws!!! In most states sales tax is calculated on the DIFFRENCE between new car price and trade!!! You have ignored this!! In most cases dealer rebates are TAXABLE!!! You ignore this as well... sorry! - 12/18/2009 10:29:49 PM


Field Help

Input Fields

TitleA title for these calculator results that will help you identify it if you have printed out several versions of the calculator.

LenderThe name of your potential lender. This field is not required but may help if you have printed out several loan scenarios.

Vehicle PriceThe sticker price or negotiated price of the vehicle you would like to purchase.

Sales TaxThe sales tax percentage you will pay on this purchase.

Other Financed ChargesSticker price add-on charges to be financed with your auto loan. These may include license plates, vehicle registration, luxury tax, extended warranty policy, dealer prep charges, or destination charges, etc.

Cash Down PaymentAny cash amount you plan to apply as a down payment to reduce your loan or lease amount.

Trade-In ValueAny vehicle trade-in amount you plan to apply as a down payment to reduce your loan or lease amount.

Dealer RebateAny dealer (or manufacturer) rebate or matching down payment amount you plan to apply as a down payment to reduce your loan or lease amount.

Interest RateThe annual percentage rate you will pay for this loan.

Length of LoanHow long you will pay on this loan. Also choose whether 'Length of Loan' is years or months.

Additional PrincipalThe additional amount you will pay each month (over the required 'Monthly Payment' amount) to pay down the principal on your loan.

Output Fields

Total Vehicle PriceThe total vehicle price once 'Sales Tax Amount' and 'Other Financed Charges' are added.

Total Down PaymentsThe total down payment amount you plan to apply to your purchase to reduce the loan amount.

Monthly PaymentPrincipal + Interest + Additional Principal (where applicable) to be paid each month.

Loan AmountYour total auto loan amount once 'Sales Tax' and 'Other Financed Charges' are added and 'Total Down Payments' is subtracted.

Total InterestTotal amount of interest you will pay over 'Length of Loan'.

Total PaidTotal amount of principal + interest you will pay over 'Length of Loan'.

Payoff TimeAmount of time until the loan is paid off.

Number of PaymentsThe number of payments you will make to pay off the loan.

Annual CostThe amount of money you will pay each year for this loan.

Sales Tax AmountThe amount of sales tax you will pay on this purchase.

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