Financing & Purchase
16 calculatorsCar finance is where small percentages turn into large sums. These calculators handle monthly loan payments, total interest, affordability rules such as 20/4/10, deposit and balloon-payment maths, APR comparisons and lease costs. They show the full breakdown so you can see exactly how term length, interest rate and deposit change what you pay.
All Financing & Purchase calculators
- 20/4/10 Rule CalculatorCalculate the maximum car price you can afford using the 20/4/10 guideline.
- APR True Cost CalculatorCalculate the true APR of a loan when upfront fees are added to the amount financed.
- Bi-Weekly vs Monthly PaymentCalculate interest savings and time saved by switching to bi-weekly car-loan payments.
- Car Affordability CalculatorEstimate the maximum car price you can finance given your income, budget percentage, loan term, and APR.
- Car Loan Refinance Break-EvenCalculate how many months until your refinance fees are recovered through lower monthly payments.
- Car Loan Total CostCalculate total repayment: principal + interest + fees over the loan term.
- Dealer Fee Impact CalculatorSum documentation, admin and delivery fees to reveal the true out-the-door price of any vehicle.
- Down Payment OptimiserCompare two deposit amounts to see how much interest the larger down payment saves over the loan term.
- Lease vs Buy Financial ComparisonCompare total lease cost against financed-purchase net cost over matching or differing terms.
- Loan Term OptimiserCompare total interest costs across two loan terms to see the trade-off between payment size and total cost.
- Lump Sum Payoff SavingsCalculate how much interest a one-time lump sum payment saves on your car loan over the remaining term.
- Monthly Car Payment CalculatorCalculate your monthly car loan payment from loan amount, APR, and term in months.
- Multi-Driver Insurance ImpactCalculate your total car insurance premium when adding multiple named drivers to a policy.
- Negotiation Margin CalculatorCalculate a fair offer price based on dealer cost and your chosen margin percentage.
- New Driver Premium CalculatorEstimate new-driver insurance premiums using an experienced-driver baseline and industry multiplier.
- Private Sale vs Trade-In ProfitCompare net profit from selling privately versus trading in, accounting for time and hassle costs.