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Vehicle finance calculator
Vehicle finance calculator: enter your data, check the formula and compare scenarios with a worked example.
How to use this tool
Use figures for the same vehicle, period and units. Compare scenarios and check assumptions before making a decision.
Formula and assumptions
r = interest / 1200; payment = principal × r / (1 − (1 + r)^(−months)); r = 0 → principal / months- principal
- Amount financed (€)
- interest
- Annual nominal rate (%)
- months
- Months
- fee
- Upfront costs (€)
Fixed payment, monthly nominal rate and upfront costs. Does not calculate APR or include final payments or other terms.
Worked example
| Quantity | Result |
|---|---|
| Amount financed (€) | 15000 |
| Annual nominal rate (%) | 6 |
| Months | 48 |
| Upfront costs (€) | 200 |
| Monthly payment (€) | 352.28 |
| Total paid (€) | 17,109.22 |
| Interest and fees (€) | 2,109.22 |
The result is an estimate based on your inputs. It is not an offer and does not replace manufacturer specifications, contract terms or professional inspection.