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Use our online payment calculator to make sure you don't get overstretched on a car loan

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Online Car Loan Payment Calculator

To use this car loan calculator, enter values for the loan amount, the number of months for the loan, and the interest rate (e.g. 7.25), then click Calculate. Clicking Reset will clear earlier values.

Enter numeric values only, do not use commas (10000 instead of $10,000) and use decimal points as needed.

The lawyers remind us to say this calculator is for comparison purposes only.

Description Data Entry
Loan Amount
Loan Length in Months
Interest Rate
Monthly PaymentCalculated

How much can
you afford?


An old rule of thumb was that your monthly auto payment should not exceed 20 percent of your income left over after normal monthly living expenses (rent or mortgage, utilities, food, transportation and credit card (or other debt) payments).

Another old rule of thumb was that your rent (or mortgage) should not exceed 30 percent of your take home pay. This is a big problem because in the last five years, the average take home pay has not moved at all, but housing prices have climbed 30 percent.

The bottom line: If you're always broke, take a look in your driveway. Millions of Americans have forgotten the idea of a sensible car at a sensible price.

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