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Car Down Payment Calculator to Calculate Amounts from Percentages

Calculator Preferences
Car Down Payment Calculator

This calculator will calculate the down payment amount from the down payment percentage, plus compare the resulting loan amount, monthly payment, and interest costs with 3 incrementally higher down payment percentages. The Learn tab includes:

  • What is a down payment?
  • Why borrowing money undermines good decision making.
  • Why a larger downpayment is in your best interest.
Learn More

Selected Data Record:

A Data Record is a set of calculator entries that are stored in your web browser's Local Storage. If a Data Record is currently selected in the "Data" tab, this line will list the name you gave to that data record. If no data record is selected, or you have no entries stored for this calculator, the line will display "None".

DataData recordData recordSelected data record: None
Price:Purchase price:Vehicle purchase price:Vehicle purchase price:

Vehicle purchase price:

Enter the purchase price of the car or truck you are considering purchasing.

Loan rate:Loan rate:Car loan interest rate:Vehicle loan interest rate:

Vehicle loan interest rate:

Enter the annual interest rate percentage (without the percent sign) you will be charged by the auto finance company. Enter as a percentage (for 6.5%, enter 6.5).

# of pmts:Loan months:Loan term in months:Vehicle loan term in months:

Vehicle loan term in months:

Enter the term of the loan in number of months. Common loan terms are 36, 48, and 60 months.

Start %:Start down %:Starting down pay percent:Starting down payment percentage rate:

Starting down payment percentage rate:

Enter the minimum down payment percentage you would like the calculator to calculate the down payment amount for.

Increment:Increment by:Increment down pay percent by:Increment down payment percentage by:

Increment down payment percentage by:

Select the percentage you would like the car down payment calculator to increment the starting down payment percentage by for each of the other three comparison columns.

Down payment comparison chart:

Description of chart row values:

Row #1: Down
The down payment amount for each percentage.
Row #2: Loan
The loan amount for each percentage. The loan amount is calculated by subtracting the down payment amount from the purchase price.
Row #3: Pmt
The monthly payment for each down payment percentage.
Row #4: Pmts
The total of all monthly loan payments for each down payment percentage.
Row #5: Total
The total of all loan payments plus the downpayment for each down payment percentage.
Row #6: Int
The interest cost of each down payment percentage.
Row #7: Save
The interest cost savings that would occur when choosing the down payment percentages that are higher than the first column. Since the first column is always the maximum interest cost, it will always be zero.
DownDownDown paymentDown payment
LoanLoan amtLoan amountLoan amount
PmtPaymentMonthly paymentMonthly payment
PmtsPaymentsTotal paymentsTotal payments
TotalTotal paidGrand totalGrand total
IntInterestInterest costInterest cost
SaveSavingsInterest savingsInterest savings

If you would like to save the current entries to the secure database, tap or click on the Data tab, select "New Data Record", give the data record a name, then tap or click the Save button. To save changes to previously saved entries, simply tap the Save button. Please select and "Clear" any data records you no longer need.

Feedback AppreciatedFeedback Greatly AppreciatedYour Feedback Would Be Greatly AppreciatedYour Feedback Is Greatly Appreciated


Help and Tools

Help and Tools:

This section, which you can Unstick or Hide in the Calculator Preferences (just above the top of the calculator), contains the following tabs (content too long to fit within bordered frame can be scrolled up and down):

About: Click this tab for an introduction to the calculator.

Instructions: Click this tab for step-by-step instructions for using the calculator.

Terms: Click this tab for a list of the descriptions that are located within each popup help button (info icons).

PCalc: Click this tab for a handy "pocket" calculator you can use when you need to calculate an entry needed for the calculator.

Data: Click this tab to save a set of entries or a note in between visits. Entries and notes will be stored to your web browser's local storage (if supported by your browser of choice), meaning they can only be recalled with the same device and web browser you were using when you saved them. If you'd like to save entries and notes between devices you can do so by subscribing to the Ad-Free Member Version.



Add or remove this page to/from my favorites.

Adjust Calculator Width:

Move the slider to left and right to adjust the calculator width. Note that the Help and Tools panel will be hidden when the calculator is too wide to fit both on the screen. Moving the slider to the left will bring the instructions and tools panel back into view.

Also note that some calculators will reformat to accommodate the screen size as you make the calculator wider or narrower. If the calculator is narrow, columns of entry rows will be converted to a vertical entry form, whereas a wider calculator will display columns of entry rows, and the entry fields will be smaller in size ... since they will not need to be "thumb friendly".

Show/Hide Popup Keypads:

Select Show or Hide to show or hide the popup keypad icons located next to numeric entry fields. These are generally only needed for mobile devices that don't have decimal points in their numeric keypads. So if you are on a desktop, you may find the calculator to be more user-friendly and less cluttered without them.

Stick/Unstick Tools:

Select Stick or Unstick to stick or unstick the help and tools panel. Selecting "Stick" will keep the panel in view while scrolling the calculator vertically. If you find that annoying, select "Unstick" to keep the panel in a stationary position.

If the tools panel becomes "Unstuck" on its own, try clicking "Unstick" and then "Stick" to re-stick the panel.