Car Payment Calculator
Plan your car purchase with this comprehensive payment calculator. Enter the vehicle price, your down payment, trade-in value, interest rate, and loan term to see your exact monthly payment. Compare different scenarios to find the best financing option. See total interest paid and true cost of ownership. Perfect for car buyers, dealerships, and auto lenders.
Try the Calculator
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export function carPaymentCalculator(form: FormTs) {
form.addRow(row => {
row.addTextPanel('header', {
computedValue: () => 'Car Payment Calculator',
customStyles: { 'font-size': '1.5rem', 'font-weight': '600', 'color': '#1e293b' }
});
});
form.addSpacer({ height: 20 });
// Vehicle Price Section
const vehicleSection = form.addSubform('vehicle', { title: '🚗 Vehicle Price' });
vehicleSection.addRow(row => {
row.addMoney('vehiclePrice', {
label: 'Vehicle Price',
min: 1000,
max: 500000,
defaultValue: 35000,
isRequired: true,
tooltip: 'Sticker price or negotiated price'
}, '1fr');
row.addDropdown('condition', {
label: 'Vehicle Condition',
options: [
{ id: 'new', name: 'New' },
{ id: 'certified', name: 'Certified Pre-Owned' },
{ id: 'used', name: 'Used' }
],
defaultValue: 'new',
tooltip: 'Affects typical interest rates'
}, '1fr');
});
vehicleSection.addRow(row => {
row.addMoney('downPayment', {
label: 'Down Payment',
min: 0,
max: 200000,
defaultValue: 5000,
tooltip: 'Cash you pay upfront'
}, '1fr');
row.addMoney('tradeIn', {
label: 'Trade-in Value',
min: 0,
max: 100000,
defaultValue: 0,
tooltip: 'Value of your current vehicle'
}, '1fr');
});
vehicleSection.addRow(row => {
row.addMoney('tradeInPayoff', {
label: 'Trade-in Loan Payoff',
min: 0,
max: 100000,
defaultValue: 0,
isVisible: () => (vehicleSection.money('tradeIn')?.value() || 0) > 0,
tooltip: 'Amount still owed on trade-in'
});
});
// Taxes & Fees Section
const feesSection = form.addSubform('fees', { title: '📋 Taxes & Fees' });
feesSection.addRow(row => {
row.addDecimal('salesTaxRate', {
label: 'Sales Tax Rate (%)',
min: 0,
max: 15,
defaultValue: 6.5,
tooltip: 'Your state/local sales tax rate'
}, '1fr');
row.addMoney('docFee', {
label: 'Documentation Fee',
min: 0,
max: 2000,
defaultValue: 300,
tooltip: 'Dealer processing fee'
}, '1fr');
});
feesSection.addRow(row => {
row.addMoney('registrationFee', {
label: 'Registration & Title Fees',
min: 0,
max: 2000,
defaultValue: 200,
tooltip: 'State DMV fees'
}, '1fr');
row.addMoney('otherFees', {
label: 'Other Fees',
min: 0,
max: 5000,
defaultValue: 0,
tooltip: 'Additional dealer or lender fees'
}, '1fr');
});
feesSection.addRow(row => {
row.addCheckbox('rollInFees', {
label: 'Include taxes and fees in loan',
defaultValue: true,
tooltip: 'Finance taxes/fees vs. pay upfront'
});
});
// Loan Terms Section
const loanSection = form.addSubform('loan', { title: '💳 Loan Terms' });
loanSection.addRow(row => {
row.addDecimal('interestRate', {
label: 'Interest Rate (APR %)',
min: 0,
max: 30,
defaultValue: 6.5,
isRequired: true,
tooltip: 'Annual percentage rate'
}, '1fr');
row.addDropdown('loanTerm', {
label: 'Loan Term',
options: [
{ id: '24', name: '24 months (2 years)' },
{ id: '36', name: '36 months (3 years)' },
{ id: '48', name: '48 months (4 years)' },
{ id: '60', name: '60 months (5 years)' },
{ id: '72', name: '72 months (6 years)' },
{ id: '84', name: '84 months (7 years)' }
],
defaultValue: '60',
isRequired: true
}, '1fr');
});
loanSection.addRow(row => {
row.addDropdown('creditScore', {
label: 'Your Credit Score',
options: [
{ id: 'excellent', name: 'Excellent (750+)' },
{ id: 'good', name: 'Good (700-749)' },
{ id: 'fair', name: 'Fair (650-699)' },
{ id: 'poor', name: 'Poor (below 650)' }
],
defaultValue: 'good',
tooltip: 'Typical rates shown are based on credit score'
});
});
loanSection.addRow(row => {
row.addTextPanel('rateGuide', {
computedValue: () => {
const credit = loanSection.dropdown('creditScore')?.value() || 'good';
const condition = vehicleSection.dropdown('condition')?.value() || 'new';
const rateRanges: Record<string, Record<string, string>> = {
'new': {
'excellent': 'Typical rate: 4.0% - 5.5%',
'good': 'Typical rate: 5.5% - 7.5%',
'fair': 'Typical rate: 8.0% - 12.0%',
'poor': 'Typical rate: 12.0% - 18.0%'
},
'certified': {
'excellent': 'Typical rate: 4.5% - 6.0%',
'good': 'Typical rate: 6.0% - 8.5%',
'fair': 'Typical rate: 9.0% - 13.0%',
'poor': 'Typical rate: 13.0% - 20.0%'
},
'used': {
'excellent': 'Typical rate: 5.5% - 7.0%',
'good': 'Typical rate: 7.0% - 10.0%',
'fair': 'Typical rate: 10.0% - 15.0%',
'poor': 'Typical rate: 15.0% - 24.0%'
}
};
return rateRanges[condition]?.[credit] || 'Rate varies by lender';
},
customStyles: { 'font-size': '0.85rem', 'color': '#64748b', 'font-style': 'italic' }
});
});
form.addSpacer({ height: 20, showLine: true, lineStyle: 'dashed' });
// Calculation Breakdown Section
const breakdownSection = form.addSubform('breakdown', { title: '📊 Cost Breakdown', isCollapsible: true });
breakdownSection.addRow(row => {
row.addPriceDisplay('taxesAndFees', {
label: 'Total Taxes & Fees',
computedValue: () => {
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const taxRate = feesSection.decimal('salesTaxRate')?.value() || 6.5;
const docFee = feesSection.money('docFee')?.value() || 300;
const regFee = feesSection.money('registrationFee')?.value() || 200;
const otherFees = feesSection.money('otherFees')?.value() || 0;
const salesTax = vehiclePrice * (taxRate / 100);
return Math.round((salesTax + docFee + regFee + otherFees) * 100) / 100;
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('tradeInEquity', {
label: 'Trade-in Equity',
computedValue: () => {
const tradeIn = vehicleSection.money('tradeIn')?.value() || 0;
const payoff = vehicleSection.money('tradeInPayoff')?.value() || 0;
return tradeIn - payoff;
},
variant: 'default'
}, '1fr');
});
breakdownSection.addRow(row => {
row.addPriceDisplay('amountFinanced', {
label: 'Amount Financed',
computedValue: () => {
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const downPayment = vehicleSection.money('downPayment')?.value() || 5000;
const tradeIn = vehicleSection.money('tradeIn')?.value() || 0;
const payoff = vehicleSection.money('tradeInPayoff')?.value() || 0;
const rollInFees = feesSection.checkbox('rollInFees')?.value();
const taxRate = feesSection.decimal('salesTaxRate')?.value() || 6.5;
const docFee = feesSection.money('docFee')?.value() || 300;
const regFee = feesSection.money('registrationFee')?.value() || 200;
const otherFees = feesSection.money('otherFees')?.value() || 0;
const salesTax = vehiclePrice * (taxRate / 100);
const totalFees = salesTax + docFee + regFee + otherFees;
const tradeEquity = tradeIn - payoff;
let financed = vehiclePrice - downPayment - tradeEquity;
if (rollInFees) financed += totalFees;
return Math.max(Math.round(financed * 100) / 100, 0);
},
variant: 'default'
}, '1fr');
row.addPriceDisplay('totalInterest', {
label: 'Total Interest',
computedValue: () => {
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const downPayment = vehicleSection.money('downPayment')?.value() || 5000;
const tradeIn = vehicleSection.money('tradeIn')?.value() || 0;
const payoff = vehicleSection.money('tradeInPayoff')?.value() || 0;
const rollInFees = feesSection.checkbox('rollInFees')?.value();
const interestRate = loanSection.decimal('interestRate')?.value() || 6.5;
const term = parseInt(loanSection.dropdown('loanTerm')?.value() || '60');
const taxRate = feesSection.decimal('salesTaxRate')?.value() || 6.5;
const docFee = feesSection.money('docFee')?.value() || 300;
const regFee = feesSection.money('registrationFee')?.value() || 200;
const otherFees = feesSection.money('otherFees')?.value() || 0;
const salesTax = vehiclePrice * (taxRate / 100);
const totalFees = salesTax + docFee + regFee + otherFees;
const tradeEquity = tradeIn - payoff;
let principal = vehiclePrice - downPayment - tradeEquity;
if (rollInFees) principal += totalFees;
principal = Math.max(principal, 0);
const monthlyRate = interestRate / 100 / 12;
if (monthlyRate === 0) return 0;
const monthlyPayment = principal * (monthlyRate * Math.pow(1 + monthlyRate, term)) / (Math.pow(1 + monthlyRate, term) - 1);
const totalPaid = monthlyPayment * term;
return Math.round((totalPaid - principal) * 100) / 100;
},
variant: 'default'
}, '1fr');
});
// Payment Section
const paymentSection = form.addSubform('payment', { title: '💰 Your Payment', isCollapsible: false });
paymentSection.addRow(row => {
row.addPriceDisplay('monthlyPayment', {
label: 'Monthly Payment',
computedValue: () => {
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const downPayment = vehicleSection.money('downPayment')?.value() || 5000;
const tradeIn = vehicleSection.money('tradeIn')?.value() || 0;
const payoff = vehicleSection.money('tradeInPayoff')?.value() || 0;
const rollInFees = feesSection.checkbox('rollInFees')?.value();
const interestRate = loanSection.decimal('interestRate')?.value() || 6.5;
const term = parseInt(loanSection.dropdown('loanTerm')?.value() || '60');
const taxRate = feesSection.decimal('salesTaxRate')?.value() || 6.5;
const docFee = feesSection.money('docFee')?.value() || 300;
const regFee = feesSection.money('registrationFee')?.value() || 200;
const otherFees = feesSection.money('otherFees')?.value() || 0;
const salesTax = vehiclePrice * (taxRate / 100);
const totalFees = salesTax + docFee + regFee + otherFees;
const tradeEquity = tradeIn - payoff;
let principal = vehiclePrice - downPayment - tradeEquity;
if (rollInFees) principal += totalFees;
principal = Math.max(principal, 0);
if (principal === 0) return 0;
const monthlyRate = interestRate / 100 / 12;
if (monthlyRate === 0) return Math.round((principal / term) * 100) / 100;
const monthlyPayment = principal * (monthlyRate * Math.pow(1 + monthlyRate, term)) / (Math.pow(1 + monthlyRate, term) - 1);
return Math.round(monthlyPayment * 100) / 100;
},
variant: 'large'
});
});
paymentSection.addRow(row => {
row.addPriceDisplay('totalCost', {
label: 'Total Cost of Vehicle',
computedValue: () => {
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const downPayment = vehicleSection.money('downPayment')?.value() || 5000;
const tradeIn = vehicleSection.money('tradeIn')?.value() || 0;
const payoff = vehicleSection.money('tradeInPayoff')?.value() || 0;
const rollInFees = feesSection.checkbox('rollInFees')?.value();
const interestRate = loanSection.decimal('interestRate')?.value() || 6.5;
const term = parseInt(loanSection.dropdown('loanTerm')?.value() || '60');
const taxRate = feesSection.decimal('salesTaxRate')?.value() || 6.5;
const docFee = feesSection.money('docFee')?.value() || 300;
const regFee = feesSection.money('registrationFee')?.value() || 200;
const otherFees = feesSection.money('otherFees')?.value() || 0;
const salesTax = vehiclePrice * (taxRate / 100);
const totalFees = salesTax + docFee + regFee + otherFees;
const tradeEquity = tradeIn - payoff;
let principal = vehiclePrice - downPayment - tradeEquity;
if (rollInFees) principal += totalFees;
principal = Math.max(principal, 0);
const monthlyRate = interestRate / 100 / 12;
let totalPaid = principal;
if (monthlyRate > 0 && principal > 0) {
const monthlyPayment = principal * (monthlyRate * Math.pow(1 + monthlyRate, term)) / (Math.pow(1 + monthlyRate, term) - 1);
totalPaid = monthlyPayment * term;
}
// Add down payment and fees paid upfront
totalPaid += downPayment;
if (!rollInFees) totalPaid += totalFees;
return Math.round(totalPaid * 100) / 100;
},
variant: 'success'
}, '1fr');
row.addPriceDisplay('dueAtSigning', {
label: 'Due at Signing',
computedValue: () => {
const downPayment = vehicleSection.money('downPayment')?.value() || 5000;
const rollInFees = feesSection.checkbox('rollInFees')?.value();
if (rollInFees) return downPayment;
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const taxRate = feesSection.decimal('salesTaxRate')?.value() || 6.5;
const docFee = feesSection.money('docFee')?.value() || 300;
const regFee = feesSection.money('registrationFee')?.value() || 200;
const otherFees = feesSection.money('otherFees')?.value() || 0;
const salesTax = vehiclePrice * (taxRate / 100);
return Math.round((downPayment + salesTax + docFee + regFee + otherFees) * 100) / 100;
},
variant: 'default'
}, '1fr');
});
// Summary Section
const summarySection = form.addSubform('summary', {
title: '📋 Summary',
isCollapsible: false,
sticky: 'bottom'
});
summarySection.addRow(row => {
row.addTextPanel('summaryText', {
computedValue: () => {
const vehiclePrice = vehicleSection.money('vehiclePrice')?.value() || 35000;
const term = loanSection.dropdown('loanTerm')?.value() || '60';
const rate = loanSection.decimal('interestRate')?.value() || 6.5;
const termLabels: Record<string, string> = {
'24': '2 years', '36': '3 years', '48': '4 years',
'60': '5 years', '72': '6 years', '84': '7 years'
};
return `$${vehiclePrice.toLocaleString()} vehicle | ${termLabels[term]} | ${rate}% APR`;
},
customStyles: { 'font-size': '0.95rem', 'font-weight': '500', 'text-align': 'center', 'color': '#1e293b' }
});
});
summarySection.addRow(row => {
row.addTextPanel('disclaimer', {
computedValue: () => 'Estimates are for informational purposes only. Actual rates and payments may vary by lender.',
customStyles: { 'font-size': '0.8rem', 'color': '#64748b', 'text-align': 'center' }
});
});
form.configureSubmitButton({
label: 'Get Pre-Approved'
});
}
Frequently Asked Questions
What's a good car loan interest rate?
Good rates vary by credit score. Excellent credit (750+) may get 4-6%, good credit (700-749) around 6-9%, fair credit (650-699) around 9-14%. Rates also depend on loan term and whether it's new or used.
Should I choose a longer loan term?
Longer terms (72-84 months) mean lower monthly payments but significantly more interest paid. Shorter terms (36-48 months) save money overall but have higher monthly payments.
How much should I put down on a car?
Ideally 20% for new cars, 10% for used. A larger down payment reduces monthly payments, total interest, and helps avoid being underwater on the loan.
What fees should I include in my calculation?
Include sales tax (varies by state), registration fees, documentation fees, and dealer fees. These can add $1,000-$3,000 or more to your total.