All auto loan calculators
Every AutoLoanWise calculator in one place, grouped by what you're trying to figure out. Every tool is free, runs entirely in your browser with no signup, and includes a full amortization schedule so you can see exactly how each payment splits between principal and interest.
Not sure where to start? If you're shopping, the auto loan calculator is the place. If you have a payment in mind and want to find the matching vehicle price, use the affordability calculator. If you already have a loan, the refinance and payoff calculators are where you'll find the most savings.
Buying & Financing
Before-purchase tools: figure out the monthly payment you'll actually pay, the price you can afford from a target budget, and how a bigger down payment changes both. Use these to set a real ceiling before you walk into a dealer.
Paying Off & Amortization
Tools for the years between signing and the final payment. See how each payment splits between principal and interest, how extra or biweekly payments cut months and dollars, and how an early payoff plan plays out month by month.
Refinancing
If your credit improved or rates dropped after you took the loan, refinancing can lower the payment, the total interest, or both. The refinance calculator compares your existing loan to a new offer and shows the break-even date net of fees.
Leasing
Leasing math is different from financing. Use these tools to compare lease versus buy on equal terms (including resale equity) and to price a lease buyout when the residual is below market value.
Specialty Vehicles
Niche tools the big-brand calculators usually skip: classic-car financing with specialty terms, EV loans with the federal Clean Vehicle Credit, commercial truck financing with a balloon, and a negative-equity check if you're underwater on a trade-in.
How AutoLoanWise calculators work
Every calculator on this site uses the standard fixed-rate amortization formula — Monthly payment = P × i ÷ (1 − (1 + i)−n), where P is the financed amount, i is the monthly rate (APR ÷ 12), and n is the number of payments — and rounds to the cent. Specialty tools add a small twist: the EV calculator treats the federal credit as an extra down payment; the truck calculator handles a balloon at maturity; the affordability calculator runs the formula backwards from a payment to a maximum price.
The math itself runs entirely in your browser. Nothing you type is sent to a server, saved to a database, or shared with a third party. Page loads are static HTML and the calculator becomes interactive once a small JavaScript bundle is hydrated — usually under a second on a modern connection.
How to pick the right calculator
A few quick rules of thumb. If you have a vehicle in mind and want the payment, start with the auto loan calculator. If you have a budget in mind and want the vehicle, start with affordability. If you're wondering whether putting more down is worth it, the down payment calculator shows 0%, 10%, and 20% side by side. If you already have a loan, the amortization schedule shows where you are today and the payoff calculator shows what an extra $50–$200 a month would do.
Looking by state?
State sales-tax rates and title/registration fees vary widely. Our state-by-state auto loan calculators are pre-filled with each state's real numbers and explain the tax rule (trade-in credit cap, full-price vs. net-of-trade-in, ad-valorem regimes like Georgia's TAVT).
Choosing the right calculator for your situation
Most readers come here for one of three jobs to be done: estimating a payment before they buy, planning an early payoff or refinance once they already have a loan, or modeling a specific scenario like an EV credit, a lease buyout, or a commercial truck with a balloon payment. Each of those jobs has a dedicated tool. Where the calculators look similar on the surface — they all use the same fixed-rate amortization math underneath — the difference is in the inputs they expose and the way they present the result.
The auto loan calculator is the most general. It accepts price, down payment, trade-in value, trade-in balance, APR, term, sales tax, fees, and rebates, and returns a full amortization schedule. The interest calculator, by contrast, strips the inputs down to loan amount, APR, term, and optional fees, and emphasizes the total interest paid plus the difference between nominal rate and effective APR. The affordability calculator inverts the math, starting from a monthly budget. Pick the tool whose inputs match the way you're thinking about the question, not just the tool whose name matches your search query.
Reading calculator results without being fooled
A common pitfall is comparing two loan offers on the monthly payment alone. Two offers with the same payment can hide very different total-cost profiles — one might be a 60-month loan at a higher APR, the other a 72-month loan at a lower APR. The longer loan finishes more expensive even at the lower rate, because more months of interest are charged on a slower-declining balance. The amortization table on every calculator shows the principal-vs-interest split for every payment, which is the only honest way to compare loans when the headline payment matches.
A second pitfall is treating the calculator's output as a final answer rather than a planning estimate. The math is exact for the inputs you provided, but the inputs themselves are usually best guesses until your lender quotes you a specific APR and your dealer hands you a final out-the-door price. The right way to use these tools is to bracket the possibilities: run the math at the rate you hope for and at the rate you fear, and see whether the payment is acceptable in both cases. If the deal only works at the best-case APR, it's not actually a deal you can rely on.
Frequently asked questions
Frequently asked questions
Are all of these calculators really free?+
Yes. There is no paywall, no signup, no email gate, and no "unlock the result" step. We don't sell leads or share your numbers. The math runs locally in your browser, so the inputs you type never reach our servers and we couldn't share them even if we wanted to.
How accurate are the results?+
The math uses the same fixed-rate amortization formula your lender uses, rounded to the cent. Real-world differences come from your lender's exact APR, any fees we don't see, state-specific tax quirks, and the fact that most lenders accrue interest daily rather than monthly. Treat results as close estimates — they're usually within a few cents on the monthly payment and a few dollars on total interest — and confirm final terms in your contract.
Do the calculators include sales tax and fees?+
The vehicle-purchase calculators include sales-tax-percent and fees fields. Default values are state-wide averages; adjust them for your county or city. State-pre-filled versions are available under /auto-loan-calculator-by-state for 15+ states with the most common variations explained in plain language.
Can I export the amortization schedule?+
Yes. Every amortization table includes a CSV download button. The CSV contains period, principal, interest, and remaining balance for every month of the loan — open it in Excel, Numbers, or Google Sheets to add your own columns, sort, or chart.
What's the difference between APR and interest rate?+
The interest rate is the nominal cost of borrowing the principal. APR (annual percentage rate) includes upfront fees and reflects the true annualized cost. With no fees, APR equals the interest rate. With fees, APR is higher. The auto loan interest calculator can solve for the effective APR given a nominal rate and a fee amount.
What if my state isn't in the state list?+
Use the main auto loan calculator and enter your local sales-tax rate and typical fees manually. The math is the same; the state pages just pre-fill the rate and explain the state's rule about trade-ins. If you'd like your state added, let us know on the contact page.