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Payment, Interest & Total Cost
Monthly Payment
Amount Financed: $33,200 · Total Interest: $4,849.52
Amount Financed
$33,200
Interest Share
12.7%
Months Saved
0 months
Payment Breakdown
Drop in a paystub, bank statement or screenshot — the AI reads it and fills these fields for you.
Debt Payoff Tracker is where this stops being a one-off number: keep your real balances there and the projection updates itself.
Describe an invoice and the AI writes it. PDF without watermarks, free.
A good auto-loan comparison starts with the out-the-door price, amount financed, APR, fees, rebates, trade-in credit, term, and any extra principal payments. The CFPB auto-loan resources are a useful reminder that the “best” payment is not always the lowest payment.
Ask for the price, tax, fees, add-ons, and rebate in writing. The FTC recommends reviewing financing terms and optional add-ons before signing.
A longer term lowers the payment but can increase total interest and keep the loan balance high for longer.
Even small extra principal payments can improve payoff speed, but confirm whether your lender applies them to principal without prepayment penalties.
Use this calculator as a deal-sheet audit: change one dealership assumption at a time, then compare monthly payment, total interest, and total paid including cash down.