01
Car loan calculator
Estimate a used car payment, see total interest, and compare repayment terms.
Open car loan
Smart car finance toolsYour next car.
Your next car.
A smarter decision.
Plan, compare, and calculate with easy-to-use tools. Get clear numbers, honest limits, and the confidence to choose a car that fits your budget.
Free to useAlways free
No sign-up requiredGet started instantly
Transparent estimatesSee every assumption
Car payment calculatorAffordability ↗
Estimated monthly payment$396.02 /mo
Illustrative rate. Excludes taxes, fees, and trade-in.
All the calculators and tools you need
View all tools Less guesswork. More confidence.
From loan calculations to trade-in estimates, tools to help you make informed decisions.
02
Car affordability calculator
Estimate a car budget with the 20/4/10 guideline, current debt, operating costs, and down payment.
Open car affordability03
Trade-in value estimator
Estimate a modeled trade-in range and the equity left after your loan payoff.
Open trade-in value04
Total cost of ownership calculator
Compare the real cost of owning a used car, including depreciation, fuel, insurance, repairs, taxes, and interest.
Open cost of ownership05
Used car inspection checklist
Work through a practical used-car inspection checklist, flag concerns, and share or print your findings.
Open inspection checklist06
Fuel cost calculator
Calculate trip and annual fuel costs in miles and US gallons or kilometers and liters.
Open fuel cost07
What is my car worth?
Model a used car’s private-sale, trade-in, and retail value range from age, mileage, and condition.
Open car value estimate08
Lease vs. buy calculator
Compare leasing and buying over the same time period.
Open lease vs. buyThe path to a smarter car purchase
All guides Good decisions start here.
Practical guidance for every step of your car-buying journey.
01
Buying · 7 min read
How to inspect a used car before you buy
Inspect a used car with a practical sequence for documents, condition, a test drive, and an independent mechanic. Turn findings into a buying decision.
Read guide
02
Financing · 7 min read
How to compare used-car loans beyond the payment
Compare used-car loan offers by amount financed, APR, term, interest, fees, and flexibility. See how a longer term changes cost with a worked example.
Read guide
03
Buying · 7 min read
How to negotiate a used-car price with evidence
Negotiate a used-car price using comparable listings, inspection findings, an itemized purchase quote, and a firm budget. Work through a realistic example.
Read guideA clearer way to make the right choiceUseful numbers.
Useful numbers.
Honest limits.
Our tools and guides help you understand the numbers, weigh your options, and know what to verify before you decide.
Explore all toolsTransparent by design
Published formulas and assumptions. Clear distinctions between estimates and real offers.
Free and easy to use
No sign-up required. Start calculating in your browser.
Guides for every step
From researching a vehicle to negotiating with evidence.
Built around real decisions
Compare scenarios, print summaries, and take your research with you.
Ready to find your next car?
Find your budget The right car starts with the right budget.
Use free tools and practical guides to make a more informed decision.