Car Loan.
Car loan calculators and vehicle finance tools for Australian buyers
All 15 car loan calculators
Free, instant, no signup. Every result shows its working and can be handed to the assistant.
Car Loan Calculator
Calculate your car loan repayments, total interest, and compare loan terms
Car Loan Comparison Calculator
Compare up to 3 car loan offers side by side to find the best deal
Car Affordability Calculator
Calculate how much car you can afford based on your income and expenses
Car Loan Early Payout Calculator
Calculate savings and costs of paying off your car loan early
New vs Used Car Calculator
Compare the true cost of buying new versus used over time
Lease vs Buy Calculator
Compare the cost of leasing versus buying a car outright
Trade-In Value Calculator
Estimate your car's trade-in value and how it affects your new car loan
Total Cost of Ownership Calculator
Calculate the true total cost of owning a car including finance, fuel, insurance, and maintenance
Dealer Finance vs Bank Loan Calculator
Compare dealer finance offers with bank or credit union car loans
Balloon Payment Calculator
Calculate balloon/residual payment options and understand the trade-offs
Novated Lease Calculator
Calculate tax savings from salary sacrificing a car through novated lease
Chattel Mortgage Calculator
Calculate business vehicle finance with chattel mortgage and tax benefits
Electric Vehicle (EV) Loan Calculator
Calculate EV financing with incentives, charging costs, and long-term savings
Car Depreciation Calculator
Estimate how much your car will be worth over time
Car Loan Refinance Calculator
Calculate savings from refinancing your car loan to a better rate
The real products, as published.
Run the numbers here, then compare against what every provider actually publishes under the Consumer Data Right, refreshed nightly.
Questions Australians actually ask the AI.
Drawn from real conversations with the Car Loan Assistant. Click any to open it in chat.
How does car loan work in Australia?
Our car loan calculators apply the same formulas, brackets and buffers that banks and the ATO use internally. We update assumptions weekly from RBA, APRA and ATO releases. Run the math →
Are the numbers reliable?
Yes—every calculation is auditable. We show the working, and the rates come from what every bank publishes under the Consumer Data Right, the RBA cash rate and ATO 2026 brackets. They're estimates, not advice. Run the math →
Do I need to sign up?
No. There are no signups and no upsells. The calculators run in your browser — only a question you choose to send the assistant leaves it. We earn nothing from any bank or product. The math is the product. Run the math →
What can the AI assistant do?
Ask questions in plain English. The assistant runs the calculators live, cites the formulas, and explains the result in your situation—linking back to the underlying tools. Run the math →