Crunch the real numbers before you sign for a car
Loans, insurance, EV running costs, rideshare take-home and depreciation — transparent calculators that show what a deal actually costs, so a dealer never does the math for you.
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Open full calculator →Your numbers
Monthly payment
$595
over 60 months
Total interest
$5,797
Amount financed
$29,920
Insight — Stretching the term lowers the monthly payment but raises total interest. Try 48 vs 72 months to see the real cost of a longer loan.
What if Loan term changes?
| Loan term | Monthly payment |
|---|---|
| 36 mo | $927 |
| 48 mo | $719 |
| 60 mo · now | $595 |
| 72 mo | $513 |
| 84 mo | $455 |
Don't take the first rate you're offered
Get pre-approved by a bank or credit union first, then make the dealer beat it. Our financing tools show what's fair.
Explore financing toolsFree · No sign-up · Independent, source-based math
Pick your decision
Five tool suites covering the whole life of owning a car.
Car Financing
6 calculators
Work out real monthly payments, total interest and what you can actually afford before a dealer does it for you.
Explore financing tools →Car Insurance
4 calculators
Estimate premiums, compare coverage and see how claims, age and location move your price — then shop smarter.
Explore insurance tools →Electric Vehicles
5 calculators
Compare the true cost of going electric — charging vs fuel, payback period and real-world running costs.
Explore ev tools →Rideshare & Gig
3 calculators
Know your real take-home from Uber, Lyft and delivery after fuel, wear and insurance — before you drive.
Explore rideshare tools →Ownership & Value
7 calculators
Depreciation, total cost of ownership and the smartest time to buy, hold or trade your car.
Explore ownership tools →Transparent by design
Built with transparent formulas and editable assumptions. Defaults cite public sources where available and are clearly labeled estimates otherwise — replace them with your own numbers any time.
Our methodology →Popular this week
Auto Loan Calculator
See your true monthly payment, total interest and payoff — including tax, fees and trade-in.
Open calculatorCar Insurance Estimator
Estimate your annual and monthly premium from driver age, vehicle value, coverage level and risk — with a transparent, no-signup model.
Open calculatorEV vs Gas Savings Calculator
See how much an electric car saves you on fuel each year — and over five years — versus a comparable gas car.
Open calculatorUber & Lyft Income Calculator
See what you actually take home per hour after fuel, vehicle wear and platform fees — not the gross number the app shows you.
Open calculatorTotal Cost of Ownership Calculator
Your car payment is only part of the story. See the real cost per year and per mile once depreciation, fuel, insurance, maintenance and interest are added in.
Open calculatorCar Affordability Calculator
Based on your income and budget, see the realistic car price and payment you should target.
Open calculatorWhy drivers trust the math here
Most car-money content is written to rank. Ours is built to decide.
Tools, not opinions
Interactive calculators give you a number for your situation — something a search snippet or AI summary simply can't do.
Transparent assumptions
Defaults cite public sources where available and are clearly labeled estimates otherwise — and every figure on screen is editable. All figures are estimates, not quotes — replace the defaults with your own numbers.
Made for the US, UK, Canada & Australia
Switch between the US, UK, Canada and Australia and every currency, tax and cost assumption updates with you.
Questions, answered
Straight, practical answers to the questions drivers actually ask before they buy.
Read the guidesAre MotorCrunch calculators free to use?＋
Yes. Every calculator is completely free, needs no sign-up, and runs instantly in your browser. MotorCrunch may be supported by advertising, affiliate links or partner offers in the future — never by charging you — and monetization never changes the math.
How accurate are the estimates?＋
Each tool uses transparent, industry-standard formulas (loan amortization, depreciation curves, standard running-cost models) and clearly shows its inputs. They're built for honest guidance before you sign — not a binding quote.
Which countries do the tools support?＋
All tools support the United States, United Kingdom, Canada and Australia, with the correct currency and regional assumptions. Switch country directly inside any calculator.
Don't guess. Crunch it.
Start with the number that changes everything — your monthly car payment.
Open the loan calculator →