汽車貸款計算器

Overview

An auto loan calculator turns a car's price, your down payment, the interest rate (APR), and the term into a clear monthly payment and total interest figure. Knowing the real monthly cost — and how much interest you pay over the life of the loan — before you walk into a dealership keeps you from being talked into a longer term that quietly inflates the price. This tool runs entirely in your browser, so nothing you type is sent anywhere.

How to Use (Step by Step)

1. 1

   Enter the vehicle price and down payment

   The amount financed is the price minus your down payment and any trade-in value.

2. 2

   Add the APR and loan term

   Use the quoted annual rate and the number of months (e.g. 60). The tool converts these automatically.

3. 3

   Compare scenarios

   Adjust the term or down payment to see how the monthly payment and total interest change before committing.

How It Works

The calculator uses the standard amortization formula: payment = P · r · (1+r)^n / ((1+r)^n − 1), where P is the amount financed (price minus down payment), r is the monthly rate (APR ÷ 12), and n is the number of months. Each payment covers that month's interest first, and the rest reduces the balance, so early payments are mostly interest and later ones mostly principal. Total interest is simply the sum of all payments minus the amount financed.

When to Use This

Comparing a 48-month versus 72-month term to see how much extra interest the longer loan costs. Checking whether a bigger down payment meaningfully lowers your payment. Setting a realistic price ceiling before shopping so you don't overcommit your monthly budget.

Frequently Asked Questions