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Free Car Loan Calculator

Calculate car repayments with trade-in, down payment, sales tax and balloon — weekly, fortnightly or monthly, in your currency. Free and private.

Works offline once loaded
Mode
Payment frequency
%
%
months
Monthly payment
$434.99
Amount financed
$22,500
Total interest
$3,599
Total of payments
$26,099
Total vehicle cost
$28,599

🔒 Every figure is computed locally in your browser — your numbers are never sent anywhere.

Common uses

  • Weekly Car RepaymentsCalculate weekly car repayments with the correct periodic interest.
  • Fortnightly Car RepaymentsWork out fortnightly repayments (popular in AU/UK).
  • Balloon Payment CalculatorLower your regular payment with a balloon/residual at the end.
  • Car Loan with Trade-InInclude a trade-in and down payment to reduce the amount financed.
  • 0% Finance CalculatorSee repayments on a 0% interest deal.
  • Total Cost of a Car LoanSee the total cost including all interest.

How It Works

Works out your car repayment from the price, down payment, trade-in, sales tax and interest rate, with weekly, fortnightly or monthly schedules and an optional balloon/residual at the end. Multi-currency and 100% client-side.

  1. 1
    Enter the deal
    Price, down payment, trade-in value, sales tax and the interest rate.
  2. 2
    Choose your schedule
    Monthly, fortnightly or weekly — the calculation adjusts the periodic rate correctly.
  3. 3
    Add a balloon (optional)
    Enter a residual/balloon amount due at the end to lower the regular payment.
  4. 4
    Read the result
    See the repayment, the amount financed, total interest and total cost. Nothing is uploaded.

Every figure is computed locally in your browser — your numbers are never sent anywhere.

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Frequently Asked Questions