Free Auto Loan Calculator — Total Cost of Ownership

Last updated: April 17, 2026

MoneyMath's auto loan calculator estimates the total cost of owning a car, including financing, depreciation, fuel, insurance, and maintenance, so shoppers can see whether a lower payment hides a higher total cost.

Free to useRuns in your browserTransparent assumptions

Free auto loan calculator showing true cost of ownership. See depreciation curve, underwater warning, 5-year TCO with insurance, fuel, and maintenance, plus new vs used comparison.

Use the Auto Loan Calculator to compare realistic scenarios before making a money, health, or planning decision.

Adjust the inputs and review the result breakdown so you can see which assumptions matter most.

How to use this calculator

Step 1Enter your starting information. Add the core inputs requested by the Auto Loan Calculator, such as amounts, dates, rates, income, weight, or other scenario details.
Step 2Review the calculated result. Read the headline answer first, then scan the supporting breakdown, chart, or comparison table.
Step 3Compare another scenario. Change one input at a time to understand what drives the result and which option is most realistic.

Formula, Sources & Assumptions

Assumptions

Results are estimates for planning and education.
Actual costs, taxes, rates, or outcomes may differ based on personal circumstances and updated rules.