Compare an existing vehicle-loan schedule with a replacement rate, term, and entered upfront costs.
The calculator keeps the balance, rate convention, payment timing, fees, and term visible so you can reproduce the result and compare it with an actual offer or statement.
The cash-flow relationship
Place every amount at the correct time
Each option uses level monthly amortization. Entered borrowing cost is scheduled interest for the current loan versus replacement interest plus upfront refinancing costs.
Visual explanation
What changes the borrowing result
Option Apayments + fees
versus
Option Bpayments + fees
Compare the same decision horizonEach option uses level monthly amortization. Entered borrowing cost is scheduled interest for the current loan versus replacement interest plus upfront refinancing costs.
Read the result in context
Use the estimate with its contract assumptions
Compare the remaining payment and interest on a 20,000 vehicle payoff balance with a separately entered replacement rate, term, and 500 of costs.
The payoff balance is visitor-entered because a lender payoff quote can differ from a statement balance. Costs are modeled as paid upfront, not financed. The comparison is descriptive, not a recommendation.
Quick guide
How to use this calculator
Enter the contract or offer figures using one consistent currency and distance unit.
Keep rates, terms, fees, rebates, and timing aligned with the visible labels.
Compare the outputs with the stated exclusions before making a decision.
Calculation method
Calculation method
Each option uses level monthly amortization. Entered borrowing cost is scheduled interest for the current loan versus replacement interest plus upfront refinancing costs.
Entered monetary components use exact fixed-decimal arithmetic. Amortizing comparisons reuse the reviewed stable loan schedule and round only for presentation.
Worked example
Worked example
Compare the remaining payment and interest on a 20,000 vehicle payoff balance with a separately entered replacement rate, term, and 500 of costs.
Each option uses level monthly amortization. Entered borrowing cost is scheduled interest for the current loan versus replacement interest plus upfront refinancing costs.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, rates at 1000%, terms at 1,200 months, and fixed decimals at 12 places.
Descriptive comparison
These tools describe entered cash flows and contract terms. They do not recommend a lender, lease, refinance, incentive, or purchase.
International scope
No currency, country, tax, lender rule, distance system, credit eligibility standard, or consumer-protection outcome is assumed.
Calculator-specific assumptions
The payoff balance is visitor-entered because a lender payoff quote can differ from a statement balance. Costs are modeled as paid upfront, not financed. The comparison is descriptive, not a recommendation.
