Car & Auto Payment Calculator

Don't let the dealership do the math for you. Walk in prepared. Car Payments Calculator gives you the tools to estimate monthly payments, total interest, and true costs — before you ever sit down with a dealer. Free to use. Run unlimited loan and lease calculations, use every calculator, and keep your numbers — no account, no sign-up, no trial. WHY PEOPLE SWITCH FROM A PLAIN LOAN CALCULATOR Most calculators only do loans. A lease is different math, and it's where dealers make the most margin. This app does both, properly: • Money factor — the lease version of an interest rate, and the number most shoppers never get shown. Enter it as MF or as APR; we convert either way. • Residual value — in dollars or as a percent of MSRP • Cap cost reduction — see exactly what your down payment is buying you • Trade-in equity — including when you still owe more than it's worth Then put a loan and a lease side by side and see which one actually costs less. WHAT YOU CAN DO • Loan Calculator — monthly payment, total interest, and amount financed • Lease Calculator — money factor, residual value, bank fee, and term • Side-by-Side Scenarios — save and compare as many deals as you want • Trade-Ins & Fees — trade-in value, amount owed, down payment, sales tax, dealer fees, and cash rebates all in one place • Vehicle Photo Storage — attach photos so you remember which car was which • CSV Export — send any scenario to a spreadsheet • iCloud Sync — your scenarios follow you across iPhone and iPad BUILT-IN TOOLS • Vehicle Depreciation — straight-line and reducing balance methods • Fuel Cost Calculator — daily, weekly, monthly, and yearly budgets • Fuel Efficiency — track real-world MPG or km/L between fill-ups • Distance Tracker — log trips with automatic GPS tracking BEFORE YOU GO TO THE DEALER Run the numbers at home. Know your payment, your total interest, and what your trade-in is really contributing. Walk in with a figure you've already checked — and recognise it when the finance office quotes you something different. DESIGNED TO BE SIMPLE Clean, intuitive interface. Every input saves automatically, so you pick up right where you left off. Supports miles and kilometres, dark mode, and adapts to your region. Master auto financing before it masters you. Auto Renewable Subscriptions: Weekly, Monthly, and Yearly Pass subscriptions allow for unlimited saved entries, access to the additional tools, and an Ad free experience. You will be charged through your App Store account. Subscriptions help support the app team, and allow us to continue to provide updates and new features. Subscriptions will automatically renew unless cancelled within 24-hours before the end of the current period. You can cancel anytime within your iTunes account settings. Any unused portion of a free trial (if applicable) will be forfeited if you purchase a subscription. Terms and Conditions (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.chuchutrain.com/privacy-policy.html Disclaimer: Continuous use of GPS running in the background can dramatically decrease battery life.