Car Loan Payment Calculator
Estimate principal, monthly payment, and total interest using price, down payment, tax, fees, APR, and term.
- Tax and fee aware financing amount
- Monthly payment and full-loan cost
- Quick affordability check by term
Vehicle Cost Planning Calculators
Three practical tools to estimate financing impact, commuting spend, and real ownership cost before you commit.
Commute Cost Calculator
Compare monthly and yearly commuting costs for driving vs transit with your own usage assumptions.
- Fuel, parking, toll, and transit fields
- Monthly and yearly totals
- Per-workday cost visibility
Total Cost of Ownership Calculator
Model multi-year vehicle cost including financing, fuel, insurance, maintenance, and expected resale value.
- Multi-year full ownership estimate
- Cost-per-mile breakdown
- Useful for buy vs keep decisions
Auto Planning FAQ
Why use a full ownership model instead of payment only?
Monthly payment hides total spend. Fuel, insurance, parking, and resale can be as important as financing.
Should I include trade-in value in loan planning?
Yes. Trade-in value reduces financed principal and changes both payment and total interest.
What is a good first check before buying?
Run the loan calculator first, then confirm full ownership cost and commute impact fit your monthly plan.
Related Planning Paths
Pair AutoKit with BudgetKit for monthly cashflow decisions and HousingKit for bigger household affordability tradeoffs. You can also browse all calculator suites in Life Kits.