Car & motorcycle loan calculator
Estimate car or motorcycle loan payments after your down payment. Include registration, documentation and other fees to see both the upfront cost and monthly repayment.
How this calculation works
Use the cash price and the actual financing method from the dealer or lender. A monthly add-on rate differs from an annual reducing-balance rate. Enter registration, document fees and insurance below to include them in your cash budget. Costs added to the loan must be included in the financed amount instead, do not also enter them as separately paid fees.
Budget beyond the vehicle instalment
The financed balance excludes the down payment you pay upfront. Add registration, insurance and running costs to your ownership budget. Check whether a dealer quote uses add-on or reducing-balance interest before entering its rate.
Car finance · Motorcycle loans
Sources & assumptions
Formula-based scenario using your inputs. Example rates are not provider offers.
Sources reviewed 30 September 2026 · planning estimate
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