Car Note & Down Payment Calculator - Learning Real Estate Investing

🚗 Car Note & Down Payment Calculator

Tax calc assumes tax on (Price − Trade). Adjust if your state does it differently.

Deal Inputs

Vehicle Price ($)

Sales Tax %

Title/Reg/Doc Fees ($)

Trade-in Value ($)

Trade-in Loan Payoff ($)

Rebates/Discounts ($)

Down Payment ($)

APR %

Term (months)

Target Monthly Payment ($)

Target Bi-Weekly Payment ($)

Results

Out-The-Door (OTD)

Price − Trade + Payoff − Rebates + Tax + Fees

Amount Financed

OTD − Down Payment

Estimated Monthly Payment

Standard amortization

Estimated Bi-Weekly Payment

26 payments/year

Down Needed (Monthly Target)

To reach target monthly payment

Down Needed (Bi-Weekly Target)

To reach target bi-weekly payment

Total Interest

Monthly schedule: $0 • Bi-weekly schedule: $0

Amortization Schedule

Schedule

#	Payment	Interest	Principal	Balance

Tip: bi-weekly applies half-month interest every two weeks, reducing total interest vs pure monthly—assuming same APR and similar term length (months × 26/12 periods).

This is a planning tool. Dealer/lender numbers will control the final deal.