Live · as of 10 May 2026RBA Cash Rate4.35%▲ 0.25 wkAUD/USD0.6612+0.34%ASX 2008,247.5+0.82%Fixed 3yr (avg)6.04%▲ 0.21 wkVariable (avg)6.49%▲ 0.25 wkMedian Sydney$1.62M▲ 1.4% moMedian Melbourne$945k▼ 0.3% moSuper (Balanced YTD)+8.4%▲ 0.6 moBTC/AUD$104,820+2.1%10yr Gov Bond4.32%▼ 0.02Inflation (Q1 26)2.7%▼ 0.2Unemployment3.9%+0.1RBA Cash Rate4.35%▲ 0.25 wkAUD/USD0.6612+0.34%ASX 2008,247.5+0.82%Fixed 3yr (avg)6.04%▲ 0.21 wkVariable (avg)6.49%▲ 0.25 wkMedian Sydney$1.62M▲ 1.4% moMedian Melbourne$945k▼ 0.3% moSuper (Balanced YTD)+8.4%▲ 0.6 moBTC/AUD$104,820+2.1%10yr Gov Bond4.32%▼ 0.02Inflation (Q1 26)2.7%▼ 0.2Unemployment3.9%+0.1

15 calculators · updated weekly · independent

Car Loan.

Car loan calculators and vehicle finance tools for Australian buyers

Open Car Loan Calculator →All 15 tools Ask AI Assistant →

Live · 10 May 2026

RBA 4.35%

RBA Cash Rate

4.35%

▲ 0.25 wk

ASX 200

8,247.5

+0.82%

AUD/USD

0.6612

+0.34%

Inflation (Q1 26)

2.7%

▼ 0.2

All15

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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

§ FAQ

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 source live data from 47 lenders, 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, no upsells, and no data leaves your browser. 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 →

Ask the co-pilot