6 calculators in this category
- Auto Loan Payment CalculatorAmortised loan formula; Regulation Z finance-charge disclosureThe payment a dealer quotes is built from more than the sticker price. Sales tax, documentation and registration fees, and any…
- Car Affordability Calculator20/4/10 vehicle purchase guidelineThis calculator runs the car-buying arithmetic backwards. You give it your income and the share of it you are willing to…
- Personal Loan Payment CalculatorRegulation Z finance charge and APRA personal loan quote has two rates hiding in it. The note rate sets your payment; the origination fee, deducted from the money…
- Loan APR Calculator (Rate vs APR)Regulation Z (12 CFR 1026)The note rate sets your payment. The annual percentage rate tells you what the loan actually costs once the lender's fees are…
- Auto Lease Payment CalculatorRegulation M (Consumer Leasing Act)Every dealer lease payment is two numbers added together: a depreciation charge that pays for the value the car loses while you…
- Lease vs Buy Car CalculatorDiscounted cash flow comparisonLeasing and financing are not comparable on monthly payment, because one of them leaves you owning a car at the end. This…
Which one do you need?
- Auto Loan Payment Calculator
- Work out the real car payment from price, down payment, trade-in, negative equity, sales tax, fees, APR and term — plus total interest and the full cost of the car.
- Car Affordability Calculator
- Turn your income into a maximum vehicle price. Sets a payment budget, inverts it through the loan formula, adds tax and fees, and tests the 20/4/10 guideline.
- Personal Loan Payment Calculator
- Calculate the payment, total interest and net cash on a fixed-rate personal loan, and see the true APR once an origination fee is deducted from the proceeds.
- Loan APR Calculator (Rate vs APR)
- Convert a note rate plus origination fees and points into the Regulation Z annual percentage rate, with the payment, amount financed and total finance charge.
- Auto Lease Payment Calculator
- Build a car lease payment from cap cost, residual value and money factor. See the depreciation and rent charge split, the equivalent APR and the drive-off cost.
- Lease vs Buy Car Calculator
- Compare the true cost of leasing against financing a car over the same period. Discounted payments, resale equity, mileage penalties and the per-month difference.
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