Financial calculators
Auto Loan Calculators
Vehicle finance payments, deposits, trade-ins and total cost of ownership.
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Auto Loan Calculator
Vehicle finance is quoted as a monthly payment, which hides the effect of the term. Enter the price, deposit and rate to see both the payment and what the loan costs in total.
Understanding auto maths
Car finance is usually negotiated on the monthly payment, which is exactly why buyers overpay: a longer term lowers the payment while raising the total cost. These calculators show both figures at once.
Sales tax, dealer fees, a deposit and a trade-in all change the amount actually financed. Model them together before agreeing to a payment on the forecourt.
All auto calculators
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Auto Loan Calculators
Car Affordability Calculator
The car price a monthly budget supports.
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Auto Loan Calculators
Lease vs Buy Calculator
Total cost of leasing against buying.
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Auto Loan Calculators
Car Depreciation Calculator
Vehicle value year by year.
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Auto Loan Calculators
Auto Loan Payoff Calculator
Early payoff date and interest saved.
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Auto Loan Calculators
Auto Refinance Calculator
Savings from refinancing a car loan.
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Auto Loan Calculators
Cost Per Mile Calculator
The true cost of every mile you drive.
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Auto Loan Calculators
Auto Loan Amortization Calculator
Full month-by-month car loan schedule.
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Auto Loan Calculators
Vehicle Sales Tax Calculator
Tax and fees on a vehicle purchase.
Auto guides
- auto-insuranceHow Car Insurance Premiums Are CalculatedThe rating factors insurers use — vehicle, history, location, excess — and how each moves a quote.
- auto-insuranceComprehensive vs. Third-Party Cover: What Each Actually PaysA side-by-side look at how the two common motor cover levels respond to a claim.
Frequently asked questions
Is a longer loan term cheaper?
Only per month. Stretching the term adds interest and increases the period during which you owe more than the car is worth.
How does a trade-in affect the loan?
A trade-in reduces the financed amount in the same way a deposit does, provided the vehicle is owned outright. Negative equity rolled from an old loan increases it instead.
Should sales tax be financed?
It can be, and the calculator lets you include it. Financing tax means paying interest on it for the whole term.
Does this include running costs?
No. Insurance, fuel, servicing, tyres and depreciation sit outside the finance payment and often exceed it over a full year.
Other calculator categories
- Mortgage CalculatorsPayments, amortisation, deposits and the running cost of owning a home.
- Loan CalculatorsRepayments, interest and payoff timing on personal and instalment lending.
- Investment CalculatorsProjected returns, contributions and long-run portfolio growth.
- Interest CalculatorsSimple and compound interest, effective rates and how balances grow.
- Retirement CalculatorsRetirement pots, contribution levels and sustainable withdrawal income.
- Tax & Income CalculatorsTake-home pay, salary conversions and estimated tax positions.
- Credit & Debt CalculatorsCard payoff timelines, consolidation maths and debt reduction strategies.
- Insurance CalculatorsCover levels, premiums, deductibles and what a claim really costs.
- Business CalculatorsMargins, break-even points, cash flow and subscription metrics.
- Savings CalculatorsSavings goals, emergency funds and the effect of regular deposits.
Disclaimer
These calculators produce estimates for information and comparison only. Actual figures depend on the provider, fees, taxes, credit assessment and terms that apply to you. Legamoney does not provide financial advice.