Car Loan Calculator
Calculate monthly car loan payments, total interest, and total cost. Enter loan amount, rate, and term for a complete auto financing picture. Figures never leave your device — every calculation runs locally in your browser.
How to Use the Car Loan Calculator
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Frequently Asked Questions
How much car can I afford?
The 20/4/10 rule: 20% down, max 4-year term, total car costs under 10% of gross income. $6,000/mo income → ≈$600/mo all-in (payment + insurance + fuel). A $30,000 car at 8%/48mo ≈ $732/mo payment alone — over budget before insurance.
What loan term should I pick?
48 months max for new cars, 36 for used. 72–84 month terms lower the payment but keep you underwater (owing more than resale) for years — a $30k car at 8%/84mo costs ≈$9,200 in interest vs ≈$5,100 at 48mo.
New vs used financing?
Used wins on depreciation (new cars lose ~20% in year one), but used rates run 1–3 points higher. Compare total cost, not payment: a $20k used car at 9%/48mo (≈$24k total) vs $30k new at 7%/60mo (≈$36k total).
Should I put more down?
Yes if it avoids being underwater: put ≥20% down or cover the first-year depreciation gap. Gap insurance ($300–600) covers the remainder if you must finance with little down.
Is my loan data stored?
No. All calculations run locally in your browser. No amounts or rates leave your device.
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Last updated October 2026