Financed
Vehicle price − Down payment + Financed (Other costs)
Down payment ↑ → Financed ↓; Term in months ↑ → Base installment ↓, Interest ↑ (i > 0).
Vehicle Finance Calculator
Vehicle Finance Calculator — Price / SAC. Comparison. Estimated effective cost.
Result
Comparison: Price × SAC
Compare down payment, term, interest, expenses and total outlay on equal terms. Neither model is always better; contracts may include conditions not simulated.
| Result | Price | SAC |
|---|
Outstanding balance / Principal repayment / Interest
Outstanding balance ━ · Principal repayment ┄ · Interest ···
Amortization schedule
| Month | Initial value | Interest | Principal repayment | Base installment | Per installment | Extra principal payment | Total | Outstanding balance |
|---|
How does it work?
Simulate a car, motorcycle or other vehicle loan. Price minus down payment is the purchase credit; only financed costs increase principal.
Price uses constant base payments at a fixed rate. SAC uses constant principal repayments, with declining interest and base payments.
Simulation, not a bank offer or contractual effective cost. Payments occur at month-end; only entered costs are included. Extra principal is paid after the installment: retain the Price payment or SAC principal amount to shorten the term, or spread the remaining balance over the remaining term to lower payments. No intermediate rounding; final residual adjustment. Effective cost compares net credit less upfront costs with monthly payments. No irregular dates or indexation.
Price
PV = Financed; i = Effective monthly; n = Term in months; PMT = Base installment.
PMT = PV × i / (1 − (1 + i)⁻ⁿ); i = 0 → PMT = PV / n
SAC
Principal repayment = PV / n
Base installment = PV / n + Outstanding balance × i
Estimated effective cost
PV (Vehicle price − Down payment − Upfront) = Σ Pₜ / (1 + r)ᵗ
i = (1 + rₐ)^(1/12) − 1; rₐ = (1 + r)¹² − 1
Price × SAC
Price uses constant base payments at a fixed rate. SAC uses constant principal repayments, with declining interest and base payments. Compare down payment, term, interest, expenses and total outlay on equal terms. Neither model is always better; contracts may include conditions not simulated.
Extra principal payment
Simulation, not a bank offer or contractual effective cost. Payments occur at month-end; only entered costs are included. Extra principal is paid after the installment: retain the Price payment or SAC principal amount to shorten the term, or spread the remaining balance over the remaining term to lower payments. No intermediate rounding; final residual adjustment. Effective cost compares net credit less upfront costs with monthly payments. No irregular dates or indexation.
Most Used Tools
Quickly access some of the most popular tools.