Auto Refinance Calculator

Calculate your potential savings by refinancing your auto loan.

Refinance Details

Current Loan

New Loan

Monthly Savings

$319

Current Payment$1,767
New Payment$1,448
Break-Even Point16 Months
MetricCurrentNew
Rate7%5.5%
Term25 Yr30 Yr
Interest$280,084$266,230

Savings Timeline

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New Loan Schedule

MoPaymentPrincipalInterestBalance
1$1447.86$279.11$1168.75$254,721
2$1447.86$280.39$1167.47$254,440
3$1447.86$281.68$1166.19$254,159
4$1447.86$282.97$1164.89$253,876
5$1447.86$284.26$1163.60$253,592
6$1447.86$285.57$1162.29$253,306
7$1447.86$286.88$1160.99$253,019
8$1447.86$288.19$1159.67$252,731
9$1447.86$289.51$1158.35$252,441
10$1447.86$290.84$1157.02$252,151
11$1447.86$292.17$1155.69$251,858
12$1447.86$293.51$1154.35$251,565
13$1447.86$294.86$1153.01$251,270
14$1447.86$296.21$1151.65$250,974
15$1447.86$297.57$1150.30$250,676
16$1447.86$298.93$1148.93$250,377
17$1447.86$300.30$1147.56$250,077
18$1447.86$301.68$1146.19$249,775
19$1447.86$303.06$1144.80$249,472
20$1447.86$304.45$1143.41$249,168
21$1447.86$305.84$1142.02$248,862
22$1447.86$307.24$1140.62$248,555
23$1447.86$308.65$1139.21$248,246
24$1447.86$310.07$1137.79$247,936
25$1447.86$311.49$1136.37$247,625
26$1447.86$312.92$1134.95$247,312
27$1447.86$314.35$1133.51$246,997
28$1447.86$315.79$1132.07$246,682
29$1447.86$317.24$1130.62$246,364
30$1447.86$318.69$1129.17$246,046
31$1447.86$320.15$1127.71$245,725
32$1447.86$321.62$1126.24$245,404
33$1447.86$323.09$1124.77$245,081
34$1447.86$324.58$1123.29$244,756
35$1447.86$326.06$1121.80$244,430
36$1447.86$327.56$1120.30$244,103
37$1447.86$329.06$1118.80$243,773
38$1447.86$330.57$1117.30$243,443
39$1447.86$332.08$1115.78$243,111
40$1447.86$333.60$1114.26$242,777
41$1447.86$335.13$1112.73$242,442
42$1447.86$336.67$1111.19$242,105
43$1447.86$338.21$1109.65$241,767
44$1447.86$339.76$1108.10$241,427
45$1447.86$341.32$1106.54$241,086
46$1447.86$342.88$1104.98$240,743
47$1447.86$344.46$1103.41$240,399
48$1447.86$346.03$1101.83$240,053
49$1447.86$347.62$1100.24$239,705
50$1447.86$349.21$1098.65$239,356
51$1447.86$350.81$1097.05$239,005
52$1447.86$352.42$1095.44$238,653
53$1447.86$354.04$1093.82$238,299
54$1447.86$355.66$1092.20$237,943
55$1447.86$357.29$1090.57$237,586
56$1447.86$358.93$1088.93$237,227
57$1447.86$360.57$1087.29$236,866
58$1447.86$362.23$1085.64$236,504
59$1447.86$363.89$1083.98$236,140
60$1447.86$365.55$1082.31$235,775
61$1447.86$367.23$1080.63$235,407
62$1447.86$368.91$1078.95$235,038
63$1447.86$370.60$1077.26$234,668
64$1447.86$372.30$1075.56$234,295
65$1447.86$374.01$1073.85$233,921
66$1447.86$375.72$1072.14$233,546
67$1447.86$377.44$1070.42$233,168
68$1447.86$379.17$1068.69$232,789
69$1447.86$380.91$1066.95$232,408
70$1447.86$382.66$1065.20$232,026
71$1447.86$384.41$1063.45$231,641
72$1447.86$386.17$1061.69$231,255
73$1447.86$387.94$1059.92$230,867
74$1447.86$389.72$1058.14$230,477
75$1447.86$391.51$1056.35$230,086
76$1447.86$393.30$1054.56$229,693
77$1447.86$395.10$1052.76$229,297
78$1447.86$396.92$1050.95$228,900
79$1447.86$398.73$1049.13$228,502
80$1447.86$400.56$1047.30$228,101
81$1447.86$402.40$1045.46$227,699
82$1447.86$404.24$1043.62$227,295
83$1447.86$406.10$1041.77$226,888
84$1447.86$407.96$1039.91$226,481
85$1447.86$409.83$1038.04$226,071
86$1447.86$411.70$1036.16$225,659
87$1447.86$413.59$1034.27$225,245
88$1447.86$415.49$1032.37$224,830
89$1447.86$417.39$1030.47$224,413
90$1447.86$419.30$1028.56$223,993
91$1447.86$421.23$1026.64$223,572
92$1447.86$423.16$1024.70$223,149
93$1447.86$425.10$1022.77$222,724
94$1447.86$427.04$1020.82$222,297
95$1447.86$429.00$1018.86$221,868
96$1447.86$430.97$1016.89$221,437
97$1447.86$432.94$1014.92$221,004
98$1447.86$434.93$1012.93$220,569
99$1447.86$436.92$1010.94$220,132
100$1447.86$438.92$1008.94$219,693
101$1447.86$440.94$1006.93$219,252
102$1447.86$442.96$1004.91$218,809
103$1447.86$444.99$1002.88$218,364
104$1447.86$447.03$1000.84$217,917
105$1447.86$449.08$998.79$217,468
106$1447.86$451.13$996.73$217,017
107$1447.86$453.20$994.66$216,564
108$1447.86$455.28$992.58$216,108
109$1447.86$457.37$990.50$215,651
110$1447.86$459.46$988.40$215,192
111$1447.86$461.57$986.29$214,730
112$1447.86$463.68$984.18$214,266
113$1447.86$465.81$982.05$213,801
114$1447.86$467.94$979.92$213,333
115$1447.86$470.09$977.77$212,862
116$1447.86$472.24$975.62$212,390
117$1447.86$474.41$973.46$211,916
118$1447.86$476.58$971.28$211,439
119$1447.86$478.77$969.10$210,960
120$1447.86$480.96$966.90$210,480
121$1447.86$483.16$964.70$209,996
122$1447.86$485.38$962.48$209,511
123$1447.86$487.60$960.26$209,023
124$1447.86$489.84$958.02$208,534
125$1447.86$492.08$955.78$208,041
126$1447.86$494.34$953.52$207,547
127$1447.86$496.60$951.26$207,051
128$1447.86$498.88$948.98$206,552
129$1447.86$501.17$946.70$206,050
130$1447.86$503.46$944.40$205,547
131$1447.86$505.77$942.09$205,041
132$1447.86$508.09$939.77$204,533
133$1447.86$510.42$937.44$204,023
134$1447.86$512.76$935.10$203,510
135$1447.86$515.11$932.75$202,995
136$1447.86$517.47$930.39$202,477
137$1447.86$519.84$928.02$201,958
138$1447.86$522.22$925.64$201,435
139$1447.86$524.62$923.25$200,911
140$1447.86$527.02$920.84$200,384
141$1447.86$529.44$918.43$199,854
142$1447.86$531.86$916.00$199,322
143$1447.86$534.30$913.56$198,788
144$1447.86$536.75$911.11$198,251
145$1447.86$539.21$908.65$197,712
146$1447.86$541.68$906.18$197,170
147$1447.86$544.16$903.70$196,626
148$1447.86$546.66$901.20$196,080
149$1447.86$549.16$898.70$195,530
150$1447.86$551.68$896.18$194,979
151$1447.86$554.21$893.65$194,425
152$1447.86$556.75$891.11$193,868
153$1447.86$559.30$888.56$193,309
154$1447.86$561.86$886.00$192,747
155$1447.86$564.44$883.42$192,182
156$1447.86$567.03$880.84$191,615
157$1447.86$569.63$878.24$191,046
158$1447.86$572.24$875.63$190,473
159$1447.86$574.86$873.00$189,898
160$1447.86$577.49$870.37$189,321
161$1447.86$580.14$867.72$188,741
162$1447.86$582.80$865.06$188,158
163$1447.86$585.47$862.39$187,573
164$1447.86$588.15$859.71$186,984
165$1447.86$590.85$857.01$186,394
166$1447.86$593.56$854.30$185,800
167$1447.86$596.28$851.58$185,204
168$1447.86$599.01$848.85$184,605
169$1447.86$601.76$846.10$184,003
170$1447.86$604.52$843.35$183,398
171$1447.86$607.29$840.58$182,791
172$1447.86$610.07$837.79$182,181
173$1447.86$612.87$835.00$181,568
174$1447.86$615.67$832.19$180,953
175$1447.86$618.50$829.37$180,334
176$1447.86$621.33$826.53$179,713
177$1447.86$624.18$823.68$179,089
178$1447.86$627.04$820.82$178,461
179$1447.86$629.91$817.95$177,832
180$1447.86$632.80$815.06$177,199
181$1447.86$635.70$812.16$176,563
182$1447.86$638.61$809.25$175,924
183$1447.86$641.54$806.32$175,283
184$1447.86$644.48$803.38$174,638
185$1447.86$647.44$800.43$173,991
186$1447.86$650.40$797.46$173,341
187$1447.86$653.38$794.48$172,687
188$1447.86$656.38$791.48$172,031
189$1447.86$659.39$788.47$171,371
190$1447.86$662.41$785.45$170,709
191$1447.86$665.45$782.42$170,044
192$1447.86$668.50$779.37$169,375
193$1447.86$671.56$776.30$168,704
194$1447.86$674.64$773.22$168,029
195$1447.86$677.73$770.13$167,351
196$1447.86$680.84$767.03$166,670
197$1447.86$683.96$763.91$165,986
198$1447.86$687.09$760.77$165,299
199$1447.86$690.24$757.62$164,609
200$1447.86$693.40$754.46$163,916
201$1447.86$696.58$751.28$163,219
202$1447.86$699.77$748.09$162,519
203$1447.86$702.98$744.88$161,816
204$1447.86$706.20$741.66$161,110
205$1447.86$709.44$738.42$160,401
206$1447.86$712.69$735.17$159,688
207$1447.86$715.96$731.90$158,972
208$1447.86$719.24$728.62$158,253
209$1447.86$722.54$725.33$157,530
210$1447.86$725.85$722.01$156,804
211$1447.86$729.18$718.69$156,075
212$1447.86$732.52$715.34$155,343
213$1447.86$735.87$711.99$154,607
214$1447.86$739.25$708.61$153,868
215$1447.86$742.64$705.23$153,125
216$1447.86$746.04$701.82$152,379
217$1447.86$749.46$698.40$151,629
218$1447.86$752.89$694.97$150,877
219$1447.86$756.34$691.52$150,120
220$1447.86$759.81$688.05$149,360
221$1447.86$763.29$684.57$148,597
222$1447.86$766.79$681.07$147,830
223$1447.86$770.31$677.56$147,060
224$1447.86$773.84$674.03$146,286
225$1447.86$777.38$670.48$145,509
226$1447.86$780.95$666.92$144,728
227$1447.86$784.53$663.34$143,943
228$1447.86$788.12$659.74$143,155
229$1447.86$791.73$656.13$142,363
230$1447.86$795.36$652.50$141,568
231$1447.86$799.01$648.85$140,769
232$1447.86$802.67$645.19$139,966
233$1447.86$806.35$641.51$139,160
234$1447.86$810.04$637.82$138,350
235$1447.86$813.76$634.10$137,536
236$1447.86$817.49$630.37$136,719
237$1447.86$821.23$626.63$135,898
238$1447.86$825.00$622.86$135,073
239$1447.86$828.78$619.08$134,244
240$1447.86$832.58$615.28$133,411
241$1447.86$836.39$611.47$132,575
242$1447.86$840.23$607.63$131,735
243$1447.86$844.08$603.78$130,890
244$1447.86$847.95$599.91$130,043
245$1447.86$851.83$596.03$129,191
246$1447.86$855.74$592.12$128,335
247$1447.86$859.66$588.20$127,475
248$1447.86$863.60$584.26$126,612
249$1447.86$867.56$580.30$125,744
250$1447.86$871.53$576.33$124,873
251$1447.86$875.53$572.33$123,997
252$1447.86$879.54$568.32$123,118
253$1447.86$883.57$564.29$122,234
254$1447.86$887.62$560.24$121,346
255$1447.86$891.69$556.17$120,455
256$1447.86$895.78$552.08$119,559
257$1447.86$899.88$547.98$118,659
258$1447.86$904.01$543.85$117,755
259$1447.86$908.15$539.71$116,847
260$1447.86$912.31$535.55$115,935
261$1447.86$916.50$531.37$115,018
262$1447.86$920.70$527.17$114,097
263$1447.86$924.92$522.95$113,172
264$1447.86$929.16$518.71$112,243
265$1447.86$933.41$514.45$111,310
266$1447.86$937.69$510.17$110,372
267$1447.86$941.99$505.87$109,430
268$1447.86$946.31$501.55$108,484
269$1447.86$950.64$497.22$107,533
270$1447.86$955.00$492.86$106,578
271$1447.86$959.38$488.48$105,619
272$1447.86$963.78$484.09$104,655
273$1447.86$968.19$479.67$103,687
274$1447.86$972.63$475.23$102,714
275$1447.86$977.09$470.77$101,737
276$1447.86$981.57$466.30$100,756
277$1447.86$986.07$461.80$99,770
278$1447.86$990.59$457.28$98,779
279$1447.86$995.13$452.74$97,784
280$1447.86$999.69$448.18$96,784
281$1447.86$1004.27$443.59$95,780
282$1447.86$1008.87$438.99$94,771
283$1447.86$1013.49$434.37$93,757
284$1447.86$1018.14$429.72$92,739
285$1447.86$1022.81$425.06$91,717
286$1447.86$1027.49$420.37$90,689
287$1447.86$1032.20$415.66$89,657
288$1447.86$1036.93$410.93$88,620
289$1447.86$1041.69$406.17$87,578
290$1447.86$1046.46$401.40$86,532
291$1447.86$1051.26$396.60$85,480
292$1447.86$1056.08$391.79$84,424
293$1447.86$1060.92$386.95$83,364
294$1447.86$1065.78$382.08$82,298
295$1447.86$1070.66$377.20$81,227
296$1447.86$1075.57$372.29$80,151
297$1447.86$1080.50$367.36$79,071
298$1447.86$1085.45$362.41$77,986
299$1447.86$1090.43$357.43$76,895
300$1447.86$1095.43$352.44$75,800
301$1447.86$1100.45$347.42$74,699
302$1447.86$1105.49$342.37$73,594
303$1447.86$1110.56$337.30$72,483
304$1447.86$1115.65$332.21$71,368
305$1447.86$1120.76$327.10$70,247
306$1447.86$1125.90$321.96$69,121
307$1447.86$1131.06$316.80$67,990
308$1447.86$1136.24$311.62$66,854
309$1447.86$1141.45$306.41$65,712
310$1447.86$1146.68$301.18$64,565
311$1447.86$1151.94$295.92$63,414
312$1447.86$1157.22$290.65$62,256
313$1447.86$1162.52$285.34$61,094
314$1447.86$1167.85$280.01$59,926
315$1447.86$1173.20$274.66$58,753
316$1447.86$1178.58$269.28$57,574
317$1447.86$1183.98$263.88$56,390
318$1447.86$1189.41$258.45$55,201
319$1447.86$1194.86$253.00$54,006
320$1447.86$1200.33$247.53$52,806
321$1447.86$1205.84$242.03$51,600
322$1447.86$1211.36$236.50$50,388
323$1447.86$1216.92$230.95$49,171
324$1447.86$1222.49$225.37$47,949
325$1447.86$1228.10$219.77$46,721
326$1447.86$1233.72$214.14$45,487
327$1447.86$1239.38$208.48$44,248
328$1447.86$1245.06$202.80$43,003
329$1447.86$1250.77$197.10$41,752
330$1447.86$1256.50$191.36$40,495
331$1447.86$1262.26$185.60$39,233
332$1447.86$1268.04$179.82$37,965
333$1447.86$1273.86$174.01$36,691
334$1447.86$1279.69$168.17$35,412
335$1447.86$1285.56$162.30$34,126
336$1447.86$1291.45$156.41$32,835
337$1447.86$1297.37$150.49$31,537
338$1447.86$1303.32$144.55$30,234
339$1447.86$1309.29$138.57$28,925
340$1447.86$1315.29$132.57$27,609
341$1447.86$1321.32$126.54$26,288
342$1447.86$1327.38$120.49$24,961
343$1447.86$1333.46$114.40$23,627
344$1447.86$1339.57$108.29$22,288
345$1447.86$1345.71$102.15$20,942
346$1447.86$1351.88$95.98$19,590
347$1447.86$1358.07$89.79$18,232
348$1447.86$1364.30$83.56$16,868
349$1447.86$1370.55$77.31$15,497
350$1447.86$1376.83$71.03$14,120
351$1447.86$1383.14$64.72$12,737
352$1447.86$1389.48$58.38$11,348
353$1447.86$1395.85$52.01$9,952
354$1447.86$1402.25$45.61$8,550
355$1447.86$1408.68$39.19$7,141
356$1447.86$1415.13$32.73$5,726
357$1447.86$1421.62$26.24$4,304
358$1447.86$1428.13$19.73$2,876
359$1447.86$1434.68$13.18$1,441
360$1447.86$1441.26$6.61$0

Should You Refinance Your Car?

Refinancing can lower your monthly car payments or reduce the total interest you pay. Use this calculator to compare your current loan with a new offer to see if refinancing makes financial sense for you.