Vehicle Loan Calculator
Plan a car, truck, motorcycle, boat, RV or specialty vehicle purchase with taxes, fees and a complete payment schedule.
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Vehicle Details
Loan Terms
Terms up to 20 years support longer boat and RV financing. Enter the term and rate in your lender’s offer. Vehicle type labels your scenario; it does not assume a different rate.
Loan Summary
Payment schedule
View monthly schedule (60 payments)
| Payment month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $628.07 | $454.20 | $173.88 | $31,645.80 |
| 2 | $628.07 | $456.66 | $171.41 | $31,189.14 |
| 3 | $628.07 | $459.13 | $168.94 | $30,730.01 |
| 4 | $628.07 | $461.62 | $166.45 | $30,268.39 |
| 5 | $628.07 | $464.12 | $163.95 | $29,804.27 |
| 6 | $628.07 | $466.63 | $161.44 | $29,337.64 |
| 7 | $628.07 | $469.16 | $158.91 | $28,868.48 |
| 8 | $628.07 | $471.70 | $156.37 | $28,396.78 |
| 9 | $628.07 | $474.26 | $153.82 | $27,922.52 |
| 10 | $628.07 | $476.83 | $151.25 | $27,445.69 |
| 11 | $628.07 | $479.41 | $148.66 | $26,966.28 |
| 12 | $628.07 | $482.01 | $146.07 | $26,484.28 |
| 13 | $628.07 | $484.62 | $143.46 | $25,999.66 |
| 14 | $628.07 | $487.24 | $140.83 | $25,512.42 |
| 15 | $628.07 | $489.88 | $138.19 | $25,022.54 |
| 16 | $628.07 | $492.53 | $135.54 | $24,530.00 |
| 17 | $628.07 | $495.20 | $132.87 | $24,034.80 |
| 18 | $628.07 | $497.88 | $130.19 | $23,536.91 |
| 19 | $628.07 | $500.58 | $127.49 | $23,036.33 |
| 20 | $628.07 | $503.29 | $124.78 | $22,533.04 |
| 21 | $628.07 | $506.02 | $122.05 | $22,027.02 |
| 22 | $628.07 | $508.76 | $119.31 | $21,518.26 |
| 23 | $628.07 | $511.52 | $116.56 | $21,006.74 |
| 24 | $628.07 | $514.29 | $113.79 | $20,492.46 |
| 25 | $628.07 | $517.07 | $111.00 | $19,975.38 |
| 26 | $628.07 | $519.87 | $108.20 | $19,455.51 |
| 27 | $628.07 | $522.69 | $105.38 | $18,932.82 |
| 28 | $628.07 | $525.52 | $102.55 | $18,407.30 |
| 29 | $628.07 | $528.37 | $99.71 | $17,878.93 |
| 30 | $628.07 | $531.23 | $96.84 | $17,347.70 |
| 31 | $628.07 | $534.11 | $93.97 | $16,813.60 |
| 32 | $628.07 | $537.00 | $91.07 | $16,276.60 |
| 33 | $628.07 | $539.91 | $88.16 | $15,736.69 |
| 34 | $628.07 | $542.83 | $85.24 | $15,193.86 |
| 35 | $628.07 | $545.77 | $82.30 | $14,648.08 |
| 36 | $628.07 | $548.73 | $79.34 | $14,099.35 |
| 37 | $628.07 | $551.70 | $76.37 | $13,547.65 |
| 38 | $628.07 | $554.69 | $73.38 | $12,992.96 |
| 39 | $628.07 | $557.69 | $70.38 | $12,435.27 |
| 40 | $628.07 | $560.72 | $67.36 | $11,874.55 |
| 41 | $628.07 | $563.75 | $64.32 | $11,310.80 |
| 42 | $628.07 | $566.81 | $61.27 | $10,743.99 |
| 43 | $628.07 | $569.88 | $58.20 | $10,174.12 |
| 44 | $628.07 | $572.96 | $55.11 | $9,601.15 |
| 45 | $628.07 | $576.07 | $52.01 | $9,025.08 |
| 46 | $628.07 | $579.19 | $48.89 | $8,445.90 |
| 47 | $628.07 | $582.32 | $45.75 | $7,863.57 |
| 48 | $628.07 | $585.48 | $42.59 | $7,278.09 |
| 49 | $628.07 | $588.65 | $39.42 | $6,689.44 |
| 50 | $628.07 | $591.84 | $36.23 | $6,097.60 |
| 51 | $628.07 | $595.04 | $33.03 | $5,502.56 |
| 52 | $628.07 | $598.27 | $29.81 | $4,904.29 |
| 53 | $628.07 | $601.51 | $26.56 | $4,302.78 |
| 54 | $628.07 | $604.77 | $23.31 | $3,698.02 |
| 55 | $628.07 | $608.04 | $20.03 | $3,089.97 |
| 56 | $628.07 | $611.34 | $16.74 | $2,478.64 |
| 57 | $628.07 | $614.65 | $13.43 | $1,863.99 |
| 58 | $628.07 | $617.98 | $10.10 | $1,246.01 |
| 59 | $628.07 | $621.32 | $6.75 | $624.69 |
| 60 | $628.07 | $624.69 | $3.38 | $0.00 |
Fixed-rate, month-end estimates use unrounded payments internally. Lender rounding and payment dates can change the final installment.
Sales tax applies to the entered vehicle price. Financed fees are added after tax; trade-in tax credits, registration charges and insurance are not inferred.
How it works›
Model and assumptions. Calculates the financed amount after the entered price adjustments, down payment, trade equity and fees, then projects monthly interest and principal. Extra payments reduce principal and later interest. Taxes, payoff quotes, payment dates and lender-specific charges should be entered explicitly.OpenStax: annuity formulasCFPB: auto loan guide