Car Loan Calculator

Work out your monthly car loan payment, total interest, and total loan cost based on price, deposit, rate, and term. Free, instant, no signup.

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years
Formula: PMT = (Price − Deposit) × r / (1 − (1 + r)^−n)
  • r = monthly interest rate
  • n = loan term in months

How to use the Car Loan Calculator

  1. Enter your values. Fill in the fields with your numbers.
  2. Calculate. Press Calculate to run the car loan calculator.
  3. Use the result. Copy the result or try a related tool next.

Why use our Car Loan Calculator

Instant results. Enter your figures and the car loan calculator returns an answer in seconds.
Free & private. Runs in your browser — no signup, and nothing is sent to a server.
Accurate. Uses standard formulas so you can rely on the numbers.

Free to use — premium coming soon

FREE
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  • Instant results
  • No signup
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About the Car Loan Calculator

The Car Loan Calculator estimates the monthly payment on a vehicle you plan to finance, then shows the total interest and total repayment across the full term. You enter the amount you actually need to borrow, the annual interest rate (or APR), and the loan length in months, and it returns a fixed monthly figure plus the lifetime cost of the loan. It is built for the moment before you sign anything: comparing a dealer's 60-month offer against a 72-month one, checking whether a rate quote really fits your budget, or working out how much car you can realistically afford on a target payment.

Reach for this tool whenever a number is about to be quoted at you. Dealers and lenders often lead with the monthly payment because it is easy to make a payment look small by stretching the term out to 72 or 84 months, even though that quietly inflates the total interest you pay. Running the figures yourself first means you arrive knowing what a fair payment should be for a given price, rate, and term. It is equally useful for budgeting before you shop, sanity-checking a pre-approval letter, or seeing how an extra year of term changes both the payment and the total cost.

Under the hood it uses the standard amortized-loan formula: P = (r x L) / (1 - (1 + r)^-n), where L is the amount borrowed, r is the monthly rate (your annual rate divided by 12), and n is the number of monthly payments. Each payment is split between interest charged on the outstanding balance and principal that reduces it. Early in the loan most of the payment is interest; as the balance falls, more of every payment goes to principal. The total interest shown is simply the sum of all payments minus the amount you originally borrowed.

Treat the result as a close estimate of the loan mechanics, not a final quote. It assumes a fixed rate and equal payments, so it will not capture lender fees rolled into APR, sales tax, registration, or a variable rate, and your real approved rate depends on your credit. Enter the amount you finance after any down payment and trade-in, not the sticker price, for the most realistic figure. The calculation runs entirely in your browser: nothing you type, no loan amount, rate, or term, is sent to a server, stored, or shared, so you can model your finances privately.

Frequently asked questions

What should I enter as the loan amount?

Enter the amount you will actually borrow, which is the vehicle price plus any taxes and fees you finance, minus your down payment and any trade-in value. Do not enter the sticker price if you are paying cash up front or trading in a car, because that would overstate your payment.

Should I use the interest rate or the APR?

Use the APR if you have it, because it bundles the interest rate together with most lender fees and reflects the true cost of borrowing. The plain interest rate ignores those fees, so two loans with the same rate can have different APRs and total costs.

Why does a longer loan term lower my payment but cost more overall?

Stretching a loan over more months spreads the same principal across more payments, so each one is smaller. But you are paying interest for longer, so the total interest, and therefore the total amount repaid, goes up. A 72- or 84-month term can make the monthly figure look affordable while sharply increasing lifetime cost.

Does the calculator include sales tax, registration, and dealer fees?

Not automatically. It calculates the loan itself from the amount you enter. If you plan to finance taxes and fees, add them to the loan amount; if you are paying them separately up front, leave them out. Rolling them in raises both your monthly payment and total interest.

Will the monthly payment it shows be exactly what the lender charges?

It will be very close for a standard fixed-rate loan, but the lender's figure can differ slightly due to rounding, fees folded into the rate, or a different approved APR based on your credit. Use it to compare offers and budget, then confirm the exact figure with your lender before signing.

From our blog

Daily Fat Grams Made Simple: How to Set and Hit Your Target

By the Super Simple Digital Tools Team · Updated June 2026

Fat has spent decades swinging between villain and hero in diet headlines, and that whiplash is exactly why a calculator helps. Instead of arguing about whether fat is good or bad, you can anchor your plan to a clear number. The starting point is always your total daily calories, because fat is expressed as a slice of that total. Once you know roughly how many calories you eat to maintain, lose, or gain weight, the fat question stops being philosophical and becomes arithmetic you can actually act on at the grocery store and the dinner table.

Choosing your percentage is the one judgment call the calculator cannot make for you. A reasonable default for most people is 25 to 30 percent of calories from fat, which lands comfortably inside the 20 to 35 percent window that public-health bodies recommend. If you prefer a higher-carb, lower-fat style of eating, drift toward 20 percent. If you eat low-carb, you will naturally rise toward the top of the range or beyond. The percentage you pick should reflect a way of eating you can sustain, not a number that looks impressive for a week and collapses afterward.

After you have a percentage, the conversion is quick: calories times percentage, divided by nine. Suppose you eat 1,800 calories and target 28 percent fat. That is 1,800 x 0.28 = 504 fat calories, and 504 divided by 9 is 56 grams per day. Keep that figure visible while you log meals, because fat hides in places labels make easy to overlook, including dressings, sauces, cooking oil, baked goods, and cheese. A single tablespoon of oil is around 14 grams, so a couple of generous pours can quietly use up a quarter of your daily allowance.

The number on the calculator tells you how much, but it says nothing about what kind, and the kind is where most of the health payoff lives. Prioritize unsaturated fats from olive oil, avocados, nuts, seeds, and oily fish, which support heart and brain health and supply the essential omega-3 fatty acids your body cannot make on its own. Treat saturated fat as a sub-budget inside your total, ideally under 10 percent of calories, and avoid artificial trans fats entirely. Two diets can hit the same fat-gram target and still differ enormously in their effect on cholesterol and long-term risk.

Finally, use the calculator as a recurring tool rather than a one-time lookup. Recalculate whenever your calorie needs change, such as after losing weight, ramping up training, or shifting your eating style. Run a few what-if scenarios side by side to see how moving from 20 to 35 percent reshapes your daily grams, then sanity-check the result against how full and energetic you feel. The goal is a target that is specific enough to guide real choices yet flexible enough to live with for months, not a rigid figure you dread.

  • Lock in an accurate daily calorie figure first; if your calorie estimate is off, the fat-gram target inherited from it will be off too.
  • Remember each gram of fat is 9 calories, so small extras add up fast. One tablespoon of oil is about 14 grams of fat.
  • Set a separate ceiling for saturated fat, roughly under 22 grams on a 2,000-calorie diet, and fill the rest with unsaturated sources.
  • Do not chase ever-lower fat. Stay at or above 20 percent of calories so you still get essential fatty acids and fat-soluble vitamins.

Read the full guide →

Tool by the Super Simple Digital Tools Team. Reviewed by our editorial team. Free to use, no signup required.

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