Car Finance Calculator
Estimate the monthly repayment and total interest on a financed vehicle.
Vehicle finance details
How it works
The estimate uses a standard amortising-loan formula on the amount after the deposit. It does not include every possible vehicle-finance charge, insurance cost, balloon payment or lender-specific fee unless you enter it.
Important assumptions
Actual vehicle finance offers can differ because of lender pricing, fees, payment timing and product terms. This calculator is an educational estimate, not a finance quote.
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Frequently asked questions
Does the calculator include vehicle running costs?
No. The repayment estimate excludes costs such as insurance, fuel and maintenance unless they are separately modelled.
What happens when I increase the deposit?
A larger deposit reduces the amount financed, which can reduce the estimated repayment and total interest.
Does it include a balloon payment?
The current calculator does not model a balloon or residual payment, so a finance agreement with one can produce a different result.