Auto Refinance Calculator
Compare your current auto loan vs a refinance offer: monthly payment savings, breakeven month on the fees, total interest savings over the loan life, and a verdict score on whether the refi actually pencils out.
Estimates only — not professional financial, medical, legal or engineering advice. Read full disclaimer.
Result
Fill in the form and click Calculate to see your result here.
How it's calculated
This Auto Refinance Calculator applies a standard auto refinance approach using the inputs you enter (your values). Intermediate steps may be shown in the results breakdown. Always confirm that units and assumptions match your use case before relying on the output.
Example
Example: Auto Refinance Calculator
Inputs
- Current Balance: 18000
- Current Rate: 8.9
- Current Remaining Months: 48
- New Rate: 5.9
- New Term Months: 48
- Refinance Fees: 400
Outputs
- Current Monthly Payment: 447.08
- New Monthly Payment: 421.91
- Monthly Payment Savings: 25.17
- Breakeven Month On Fees: 16
- Current Remaining Interest: 3459.67
- New Total Interest: 2251.48
- Gross Interest Savings: 1208.2
- Net Savings After Fees: 808.2
- Verdict Score: 67
- Verdict: Likely yes — modest but positive savings
This example uses typical sample values. Adjust the inputs above to see how the results change for your own numbers.
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