Auto Loan Payment & Affordability

Quote payments, total interest and affordability in seconds. Factor in downpayment, trade-in, tax and fees, then stress different APR and term combinations.

Vehicle, loan & income inputs

Define the deal structure and borrower profile. All calculations run locally in your browser.

Retail & dealer-desk ready

Vehicle price (sticker)

Down payment

Trade-in value

Sales tax rate

Up-front fees (doc, registration, etc.)

APR (annual)

Term

months

Monthly gross income

Target max auto-loan DTI (payment ÷ income)

APR shock range above/below (for scenarios)

Term variants (± months around base)

months

Amount financed = (price − down − trade-in) × (1 + tax) + fees

Payment, cost & affordability

Base case plus alternative APR/term combinations in one matrix.

0 scenarios

Amount financed

–

after DP, trade-in, tax & fees

Base monthly payment

–

APR 0.0% • 0 months

Payment as % of income

–

vs target DTI

Total interest paid

–

over full term

Total cost of vehicle

–

DP + interest + financed amount

Effective financed share

–

financed ÷ (price + fees + tax)

Scenario	APR	Term	Monthly payment	Total interest	Payment / income	Flag