Amortization graph
Balance remaining
Cumulative principal paid
Cumulative interest paid
Car Finance Calculator
Compare car-loan scenarios or estimate the monthly and end-of-term costs of a vehicle lease.| 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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%
$
$
Cash and trade-in
$
$
$
Financing
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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 |
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Estimates only. Lenders may use different rounding, payment timing, taxes, fees, and daily-interest methods.
Lease planning
Lease quotes vary by lender, state, dealer, credit tier, and which charges are paid upfront or included in the lease.
Vehicle lease calculator
Estimate the payment, drive-off amount, mileage exposure, return cost, and end-of-lease buyout using the figures from a dealer quote.
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.
Mileage and end-of-lease charges
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$
$
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
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
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.
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.