™AutoFire™ tools / Sales & finance
Free Auto Loan Payment Calculator
Estimate payments, trade payoff, interest, extra-payment savings, and a downloadable amortization schedule.
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No login or email required.
Your numbers
Your estimate
- Scheduled monthly payment
- $408.77
- Amount financed
- $20,400.00
- Monthly payment with extra
- $408.77
- Total interest with extra
- $4,126.47
- Payoff time
- 60 months
- Interest saved with extra
- $0.00
Compare loan terms
| Term | Payment | Interest |
|---|---|---|
| 36 months | $634.57 | $2,444.36 |
| 48 months | $493.25 | $3,275.96 |
| 60 months | $408.77 | $4,126.47 |
| 72 months | $352.72 | $4,995.68 |
Same APR and financed amount; no extra payments.
Amortization schedule
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | $408.77 | $127.50 | $281.27 | $20,118.73 |
| 2 | $408.77 | $125.74 | $283.03 | $19,835.70 |
| 3 | $408.77 | $123.97 | $284.80 | $19,550.90 |
| 4 | $408.77 | $122.19 | $286.58 | $19,264.32 |
| 5 | $408.77 | $120.40 | $288.37 | $18,975.95 |
| 6 | $408.77 | $118.60 | $290.17 | $18,685.78 |
| 7 | $408.77 | $116.79 | $291.98 | $18,393.80 |
| 8 | $408.77 | $114.96 | $293.81 | $18,099.99 |
| 9 | $408.77 | $113.12 | $295.65 | $17,804.34 |
| 10 | $408.77 | $111.28 | $297.49 | $17,506.85 |
| 11 | $408.77 | $109.42 | $299.35 | $17,207.50 |
| 12 | $408.77 | $107.55 | $301.22 | $16,906.28 |
| 13 | $408.77 | $105.66 | $303.11 | $16,603.17 |
| 14 | $408.77 | $103.77 | $305.00 | $16,298.17 |
| 15 | $408.77 | $101.86 | $306.91 | $15,991.26 |
| 16 | $408.77 | $99.95 | $308.82 | $15,682.44 |
| 17 | $408.77 | $98.02 | $310.75 | $15,371.69 |
| 18 | $408.77 | $96.07 | $312.70 | $15,058.99 |
| 19 | $408.77 | $94.12 | $314.65 | $14,744.34 |
| 20 | $408.77 | $92.15 | $316.62 | $14,427.72 |
| 21 | $408.77 | $90.17 | $318.60 | $14,109.12 |
| 22 | $408.77 | $88.18 | $320.59 | $13,788.53 |
| 23 | $408.77 | $86.18 | $322.59 | $13,465.94 |
| 24 | $408.77 | $84.16 | $324.61 | $13,141.33 |
| 25 | $408.77 | $82.13 | $326.64 | $12,814.69 |
| 26 | $408.77 | $80.09 | $328.68 | $12,486.01 |
| 27 | $408.77 | $78.04 | $330.73 | $12,155.28 |
| 28 | $408.77 | $75.97 | $332.80 | $11,822.48 |
| 29 | $408.77 | $73.89 | $334.88 | $11,487.60 |
| 30 | $408.77 | $71.80 | $336.97 | $11,150.63 |
| 31 | $408.77 | $69.69 | $339.08 | $10,811.55 |
| 32 | $408.77 | $67.57 | $341.20 | $10,470.35 |
| 33 | $408.77 | $65.44 | $343.33 | $10,127.02 |
| 34 | $408.77 | $63.29 | $345.48 | $9,781.54 |
| 35 | $408.77 | $61.13 | $347.64 | $9,433.90 |
| 36 | $408.77 | $58.96 | $349.81 | $9,084.09 |
| 37 | $408.77 | $56.78 | $351.99 | $8,732.10 |
| 38 | $408.77 | $54.58 | $354.19 | $8,377.91 |
| 39 | $408.77 | $52.36 | $356.41 | $8,021.50 |
| 40 | $408.77 | $50.13 | $358.64 | $7,662.86 |
| 41 | $408.77 | $47.89 | $360.88 | $7,301.98 |
| 42 | $408.77 | $45.64 | $363.13 | $6,938.85 |
| 43 | $408.77 | $43.37 | $365.40 | $6,573.45 |
| 44 | $408.77 | $41.08 | $367.69 | $6,205.76 |
| 45 | $408.77 | $38.79 | $369.98 | $5,835.78 |
| 46 | $408.77 | $36.47 | $372.30 | $5,463.48 |
| 47 | $408.77 | $34.15 | $374.62 | $5,088.86 |
| 48 | $408.77 | $31.81 | $376.96 | $4,711.90 |
| 49 | $408.77 | $29.45 | $379.32 | $4,332.58 |
| 50 | $408.77 | $27.08 | $381.69 | $3,950.89 |
| 51 | $408.77 | $24.69 | $384.08 | $3,566.81 |
| 52 | $408.77 | $22.29 | $386.48 | $3,180.33 |
| 53 | $408.77 | $19.88 | $388.89 | $2,791.44 |
| 54 | $408.77 | $17.45 | $391.32 | $2,400.12 |
| 55 | $408.77 | $15.00 | $393.77 | $2,006.35 |
| 56 | $408.77 | $12.54 | $396.23 | $1,610.12 |
| 57 | $408.77 | $10.06 | $398.71 | $1,211.41 |
| 58 | $408.77 | $7.57 | $401.20 | $810.21 |
| 59 | $408.77 | $5.06 | $403.71 | $406.50 |
| 60 | $409.04 | $2.54 | $406.50 | $0.00 |
For informational use only. Payments are estimates, not a credit offer, approval, or financial advice. Lender fees, APR calculations, payment timing, and prepayment terms may change the total. Do your own research and compare written lender offers before borrowing.
How to use this tool
- 1Enter price, down payment, trade value and payoff, APR, and term.
- 2Add optional extra principal each month.
- 3Compare loan terms and download the repayment schedule.
How the result is built
Uses fixed-rate monthly amortization with rounded payments. Taxes and fees can be included in financed fees. Extra payments are assumed to reduce principal without a penalty; actual lender timing and rounding may vary.
An example from the lot
Compare the same financed amount at 48, 60, and 72 months, then see how an extra $100 a month changes interest and payoff time.