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Refinance Car Loan Calculator

Refinance Car Loan Calculator to calculate the costs and savings to refinancing your auto loan with a lower interest rate.

Refinance Auto Loan Calculator

Remaining Balance
$
Interest Rate
Current Monthly Payment
$
New Interest Rate
New Loan Terms
years
Closing Cost
$
Other Expenses
$


Auto Refinance Calculator Results

New Monthly Payment:
$540.04
Payoff Date:
Dec, 2025
Closing Cost:
$200.00
Other Expenses:
$0.00
Interest Savings:
$1,141.53
Total Savings:
$941.53

Auto Refinance Amortization Schedule

Payment Date Payment # Interest Paid Principal Paid Total Payment Remaining Balance
Jan, 2023 1 $50.10 $489.94 $540.04 $18,010.06
Feb, 2023 2 $48.78 $491.27 $540.04 $17,518.80
Mar, 2023 3 $47.45 $492.60 $540.04 $17,026.20
Apr, 2023 4 $46.11 $493.93 $540.04 $16,532.27
May, 2023 5 $44.77 $495.27 $540.04 $16,037.00
Jun, 2023 6 $43.43 $496.61 $540.04 $15,540.39
Jul, 2023 7 $42.09 $497.95 $540.04 $15,042.44
Aug, 2023 8 $40.74 $499.30 $540.04 $14,543.13
Sep, 2023 9 $39.39 $500.66 $540.04 $14,042.48
Oct, 2023 10 $38.03 $502.01 $540.04 $13,540.47
Nov, 2023 11 $36.67 $503.37 $540.04 $13,037.10
Dec, 2023 12 $35.31 $504.73 $540.04 $12,532.36
Jan, 2024 13 $33.94 $506.10 $540.04 $12,026.26
Feb, 2024 14 $32.57 $507.47 $540.04 $11,518.79
Mar, 2024 15 $31.20 $508.85 $540.04 $11,009.94
Apr, 2024 16 $29.82 $510.22 $540.04 $10,499.72
May, 2024 17 $28.44 $511.61 $540.04 $9,988.11
Jun, 2024 18 $27.05 $512.99 $540.04 $9,475.12
Jul, 2024 19 $25.66 $514.38 $540.04 $8,960.74
Aug, 2024 20 $24.27 $515.77 $540.04 $8,444.96
Sep, 2024 21 $22.87 $517.17 $540.04 $7,927.79
Oct, 2024 22 $21.47 $518.57 $540.04 $7,409.22
Nov, 2024 23 $20.07 $519.98 $540.04 $6,889.24
Dec, 2024 24 $18.66 $521.38 $540.04 $6,367.86
Jan, 2025 25 $17.25 $522.80 $540.04 $5,845.06
Feb, 2025 26 $15.83 $524.21 $540.04 $5,320.85
Mar, 2025 27 $14.41 $525.63 $540.04 $4,795.22
Apr, 2025 28 $12.99 $527.06 $540.04 $4,268.16
May, 2025 29 $11.56 $528.48 $540.04 $3,739.68
Jun, 2025 30 $10.13 $529.91 $540.04 $3,209.76
Jul, 2025 31 $8.69 $531.35 $540.04 $2,678.41
Aug, 2025 32 $7.25 $532.79 $540.04 $2,145.62
Sep, 2025 33 $5.81 $534.23 $540.04 $1,611.39
Oct, 2025 34 $4.36 $535.68 $540.04 $1,075.71
Nov, 2025 35 $2.91 $537.13 $540.04 $538.58
Dec, 2025 36 $1.46 $538.58 $540.04 $0.00

Original vs. Loan Refinance

Original Auto Loan Refinance
Monthly Payment $446.87 $540.04
Total Interest $2,083.08 $941.55
Total Principal $18,500.00 $18,500.00
Total Payment $20,583.08 $19,441.55
Closing Cost $0 $200.00
Other Expenses $0 $0.00
Total Interest Savings $0 $1,141.53
Total Savings $0 $941.53
Payoff Date Nov, 2026 Dec, 2025
Refinance Home Loan Calculator

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