Skylark Auto Loan Calculator

Know the real cost of a car loan before you sign.

Auto Loan Calculator gives you a fast, clear estimate of your monthly payment, amount financed, total interest and total payments using the numbers that matter in a real vehicle deal.

Enter your vehicle price, down payment, trade-in value, amount still owed on your trade, APR, loan term, sales-tax rate and dealer or registration fees.

The calculator shows your estimated monthly payment, sales tax, net trade equity, amount financed and total interest cost.

WHAT CAN I AFFORD?

Start with the monthly payment you want and estimate the maximum vehicle price that fits your target based on APR, loan term, down payment, trade-in and fees.

HANDLE TRADE-INS AND NEGATIVE EQUITY

Enter your trade-in value and current payoff to see how positive or negative equity affects the amount financed.

COMPARE LOAN OFFERS

Pro users can compare two financing options side by side and quickly see differences in monthly payment and estimated interest cost.

EXTRA PAYMENT ANALYSIS

See how additional monthly payments may reduce total interest and shorten the estimated payoff period.

PAYMENT SCHEDULE

Review an amortization preview for free, with the full payment schedule available with Pro.

SAVE SCENARIOS

Pro users can save loan scenarios on the device for easy comparison later.

PRIVACY-FIRST

No account is required. Calculator inputs and saved scenarios stay on your device. The app does not include advertising or third-party analytics SDKs.

PRO — ONE-TIME PURCHASE

Unlock Pro with a one-time purchase. No subscription required.

Auto Loan Calculator is an educational calculation tool only. It is not a lender, loan broker, dealer, tax adviser, legal adviser or financial adviser. Actual lender, dealer, tax and government calculations may differ.

Recent changes:
**What's New in v1.2.0**

- Added True Monthly Vehicle Cost calculator.
- Include insurance, fuel, maintenance, and other expenses.
- View estimated total monthly and annual vehicle costs.
- Improved calculations and stability.
- All existing loan and Pro features remain available.