Amortization graph
Balance remaining
Cumulative principal paid
Cumulative interest paid
LoanLenz
Car Finance Calculator
Compare car-loan scenarios or estimate the monthly and end-of-term costs of a vehicle lease.
Your comparison starts here
Build your first scenario
Add financing or lease terms to compare monthly costs, cash due, and the total cost of each path.
| Scenario | Type |
Monthly Payment
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Cash Upfront
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Amount Owed
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Cost to Borrow
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Total Monthly Payments
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Total to Own
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Term
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Rate
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Total monthly payments exclude cash upfront and other one-time charges. Finance total to own includes the down payment and all loan payments. Lease total to own includes upfront cash, all lease payments, and the estimated buyout.
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%
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$
Cash and trade-in
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$
$
Financing
%
mo
$
Estimated monthly payment
$0.00
Amount financed
$0
Total interest
$0
Total loan payments
$0
Total cash outlay
$0
Payoff time
0 months
Interest saved by extra payments
$0
Amount financed breakdown
Vehicle price$0
Estimated sales tax$0
Fees$0
Trade-in equity$0
Rebates / incentives$0
Cash down payment$0
Amount financed$0
Amortization schedule
Month-by-month payment breakdown.| Month | Payment | Principal | Interest | Balance |
|---|
Estimates only. Lenders may use different rounding, payment timing, taxes, fees, and daily-interest methods.
Lease planning
Vehicle lease calculator
Lease quotes vary by lender, state, dealer, credit tier, and which charges are paid upfront or included in the lease.Vehicle and lease terms
$
$
mo
%
%
The money factor is the lease's financing rate. Multiplying it by 2,400 gives an approximate APR equivalent.
Credits and drive-off costs
A capitalized cost reduction lowers the payment but may not be recoverable if the vehicle is stolen or totaled.
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$
$
$
$
$
Mileage and end-of-lease charges
$
$
$
Estimated monthly lease payment
$0.00
Due at signing
$0
Adjusted capitalized cost
$0
Residual value
$0
Effective monthly cost
$0
Money-factor APR equivalent
0.00%
Total mileage allowance
0 mi
Monthly payment breakdown
Monthly depreciation$0
Monthly rent charge$0
Pre-tax payment$0
Estimated monthly tax$0
Estimated monthly payment$0
Estimated cost if returned
The refundable security deposit is included in due-at-signing but excluded from total lease cost. Wear, damage, early termination, and dealer-specific charges are not estimated.All scheduled lease payments$0
Nonrefundable upfront cash$0
Disposition fee$0
Estimated excess miles0 mi
Estimated excess-mile charge$0
Total estimated lease cost$0
Estimated end-of-lease buyout
Residual value plus the purchase-option fee and an estimated sales tax on the buyout.$0
Contract residual$0
Purchase-option fee$0
Estimated buyout tax$0
Lease then buy total$0
Lease estimates are for planning only. Confirm the lender's residual, money factor, mileage rules, tax method, fees, and payoff quote before signing or buying the vehicle.