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Estimate financed vehicle cost using purchase price, down payment, trade-in value, a manually provided illustrative tax percentage and fees, then calculate fixed monthly instalments.
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Early payoff, refinance and offer comparisons assume fixed-rate, equal monthly payments. Original principal is not copied as the remaining balance.
Estimate financed vehicle cost using purchase price, down payment, trade-in value, a manually provided illustrative tax percentage and fees, then calculate fixed monthly instalments.
Amounts display two decimals. Calculations use unrounded values, so displayed rows may not add up exactly. Download all rows as CSV.
| Month | Payment | Principal | Interest | Balance |
|---|
Twelve equal payments repay the principal without interest.
The monthly rate is 0.5% for 360 payments. The displayed payment is rounded, while total interest uses the unrounded amount.
Repay 1,000 of principal each month. Monthly interest decreases from 120 to 10. Total interest is 780.
Not necessarily. APR may include lender fees and other charges under local rules. This model uses only the nominal interest rate and does not calculate regulatory APR.
At a positive rate, equal-principal payments start higher and decline; equal monthly payments stay steady. Interest-only starts with just interest but leaves all principal due at maturity. Compare total interest and the final payment too.
Compare an existing fixed-rate annuity loan with a scenario involving an immediate lump-sum repayment and extra monthly principal. See interest savings, months saved and the prepayment fee.
Compare the remaining cost of a current loan against a new fixed-rate refinance using the same outstanding balance but potentially different durations and up-front refinancing fees.
Compare two equal-principal financing offers by entering their nominal fixed annual rates, month terms and one-time fees, then inspecting monthly and total nominal payment differences.
Illustrative default-input result. Compare two entered offer rates and terms on identical principal using annuity payments; this does not certify borrower eligibility, loan limits or rate change after preferential period.
No. Compare two entered offer rates and terms on identical principal using annuity payments; this does not certify borrower eligibility, loan limits or rate change after preferential period.
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