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
  • Unlimited calculations
  • Instant results
  • No signup
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  • Export results

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

Healthy Weight by Height: How to Read and Use Your Range

By the Super Simple Digital Tools Team · Updated June 2026

Most people picture a single 'goal weight', but health authorities actually define a healthy weight as a span. The reason is simple: a person of a given height can carry slightly more or less weight, depending on frame and muscle, and still be perfectly healthy. The Healthy Weight Calculator captures this by giving you a low and a high figure that bracket the recognised healthy BMI zone of 18.5 to 24.9, turning an abstract index into something you can read off a scale.

The arithmetic behind it is the BMI formula run in reverse. BMI equals weight in kilograms divided by height in metres squared. To find the weights instead of the index, you fix BMI at the two boundary values and rearrange: lower weight equals 18.5 times height squared, upper weight equals 24.9 times height squared. A person 1.60 m tall has a height squared of 2.56, so their healthy band is roughly 47 kg to 64 kg. Add a few centimetres of height and the whole window shifts upward, which is exactly why a borrowed weight target from a taller friend rarely fits.

Once you have the range, the useful question is where you want to sit within it. Landing anywhere inside 18.5 to 24.9 is considered healthy, but many people aim for the middle of their band to leave room for the normal daily swings of one to two kilograms caused by water, food and timing. If your current weight is above the top of the range, the gap to the upper bound is a modest, achievable first goal rather than the daunting jump to the lowest figure. Small targets are easier to keep.

It is worth being clear about what the number cannot tell you. BMI was designed for population screening and treats all weight the same, so it cannot see whether your kilograms are muscle or fat. A rugby player and a sedentary person of identical height and weight get the same band, even though their health picture differs. That is why clinicians pair BMI with waist circumference, blood pressure and other checks. The calculator is a fast first filter, not a diagnosis.

To get the most reliable reading, measure your height accurately without shoes and weigh yourself at a consistent time, ideally in the morning. Re-check your range only if your height changes, which for adults is rare, and track your weight against the band over weeks rather than reacting to a single reading. Used this way, the healthy weight range becomes a steady reference point that supports gradual, sustainable change instead of crash targets.

  • Measure height in bare feet and weigh yourself at the same time of day for a like-for-like comparison against your range.
  • Aim for the middle of your band rather than the bottom edge, so normal daily fluctuations of one to two kilograms do not push you out of range.
  • If you are above the range, set the upper bound as your first milestone instead of the lowest figure, then reassess.
  • Pair the result with a waist measurement, since waist size adds information about fat distribution that BMI alone cannot capture.

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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