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🚗 Auto Loan Calculator
For new or used car purchases. Enter the price, down payment, trade-in value, sales tax rate, APR, and term in months. Get monthly payment plus total cost over the life of the loan.
Examples
$35k price, $5k down, 7% APR, 60 monthsMonthly ~$594 · Total interest $5,640$18k price, $3k down, 8% APR, 48 monthsMonthly ~$367 · Total interest $2,600Frequently asked questions
What is a good auto loan rate?
New car rates vary 4-9% depending on credit. Used: 6-12%. Credit unions typically beat dealer financing by 1-2 points.
How long should the loan be?
Avoid 72+ month auto loans — you will likely owe more than the car is worth for most of the term. 48-60 months is healthier.
Should I take dealer cashback or low APR?
Compare both: cash rebate × (1 + APR × years) vs the value of low APR. Sites that calculate this often favor cash rebates unless the APR offer is genuinely 0%.
About this calculator
Auto Loan Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
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- 🏠 Mortgage Calculator — Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
- 💳 Loan Amortization — Monthly payment, total interest, and full payment schedule for any loan.
- 💳 Credit Card Payoff Calculator — How long to pay off a credit card balance? Compare minimum vs aggressive payments.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |