Auto Refinance Calculator

Auto Refinance Calculator to estimate how much money you can save by refinancing your car loan. The car refinance calculator with amortization schedule will give you a breakdown of the monthly payments.

Car Refinance Calculator

Remaining Balance
$
Interest Rate
Current Monthly Payment
$
New Interest Rate
New Loan Terms
years

Car Refinance Calculator Results

New Monthly Payment:
$522.00
Payoff Date:
Sep, 2027
Total Interest Savings:
$1,409.67

Car Refinance Amortization Schedule

Payment Date Payment # Interest Paid Principal Paid Total Payment Remaining Balance
Oct, 2022 1 $105.00 $417.00 $522.00 $27,583.00
Nov, 2022 2 $103.44 $418.57 $522.00 $27,164.43
Dec, 2022 3 $101.87 $420.14 $522.00 $26,744.29
Jan, 2023 4 $100.29 $421.71 $522.00 $26,322.58
Feb, 2023 5 $98.71 $423.29 $522.00 $25,899.28
Mar, 2023 6 $97.12 $424.88 $522.00 $25,474.40
Apr, 2023 7 $95.53 $426.48 $522.00 $25,047.92
May, 2023 8 $93.93 $428.07 $522.00 $24,619.85
Jun, 2023 9 $92.32 $429.68 $522.00 $24,190.17
Jul, 2023 10 $90.71 $431.29 $522.00 $23,758.88
Aug, 2023 11 $89.10 $432.91 $522.00 $23,325.97
Sep, 2023 12 $87.47 $434.53 $522.00 $22,891.44
Oct, 2023 13 $85.84 $436.16 $522.00 $22,455.27
Nov, 2023 14 $84.21 $437.80 $522.00 $22,017.48
Dec, 2023 15 $82.57 $439.44 $522.00 $21,578.04
Jan, 2024 16 $80.92 $441.09 $522.00 $21,136.95
Feb, 2024 17 $79.26 $442.74 $522.00 $20,694.21
Mar, 2024 18 $77.60 $444.40 $522.00 $20,249.81
Apr, 2024 19 $75.94 $446.07 $522.00 $19,803.74
May, 2024 20 $74.26 $447.74 $522.00 $19,356.00
Jun, 2024 21 $72.59 $449.42 $522.00 $18,906.58
Jul, 2024 22 $70.90 $451.10 $522.00 $18,455.48
Aug, 2024 23 $69.21 $452.80 $522.00 $18,002.68
Sep, 2024 24 $67.51 $454.49 $522.00 $17,548.19
Oct, 2024 25 $65.81 $456.20 $522.00 $17,091.99
Nov, 2024 26 $64.09 $457.91 $522.00 $16,634.08
Dec, 2024 27 $62.38 $459.63 $522.00 $16,174.45
Jan, 2025 28 $60.65 $461.35 $522.00 $15,713.10
Feb, 2025 29 $58.92 $463.08 $522.00 $15,250.02
Mar, 2025 30 $57.19 $464.82 $522.00 $14,785.20
Apr, 2025 31 $55.44 $466.56 $522.00 $14,318.64
May, 2025 32 $53.69 $468.31 $522.00 $13,850.33
Jun, 2025 33 $51.94 $470.07 $522.00 $13,380.27
Jul, 2025 34 $50.18 $471.83 $522.00 $12,908.44
Aug, 2025 35 $48.41 $473.60 $522.00 $12,434.84
Sep, 2025 36 $46.63 $475.37 $522.00 $11,959.47
Oct, 2025 37 $44.85 $477.16 $522.00 $11,482.31
Nov, 2025 38 $43.06 $478.95 $522.00 $11,003.36
Dec, 2025 39 $41.26 $480.74 $522.00 $10,522.62
Jan, 2026 40 $39.46 $482.54 $522.00 $10,040.08
Feb, 2026 41 $37.65 $484.35 $522.00 $9,555.72
Mar, 2026 42 $35.83 $486.17 $522.00 $9,069.55
Apr, 2026 43 $34.01 $487.99 $522.00 $8,581.56
May, 2026 44 $32.18 $489.82 $522.00 $8,091.74
Jun, 2026 45 $30.34 $491.66 $522.00 $7,600.07
Jul, 2026 46 $28.50 $493.50 $522.00 $7,106.57
Aug, 2026 47 $26.65 $495.35 $522.00 $6,611.22
Sep, 2026 48 $24.79 $497.21 $522.00 $6,114.00
Oct, 2026 49 $22.93 $499.08 $522.00 $5,614.93
Nov, 2026 50 $21.06 $500.95 $522.00 $5,113.98
Dec, 2026 51 $19.18 $502.83 $522.00 $4,611.15
Jan, 2027 52 $17.29 $504.71 $522.00 $4,106.44
Feb, 2027 53 $15.40 $506.61 $522.00 $3,599.83
Mar, 2027 54 $13.50 $508.51 $522.00 $3,091.33
Apr, 2027 55 $11.59 $510.41 $522.00 $2,580.91
May, 2027 56 $9.68 $512.33 $522.00 $2,068.59
Jun, 2027 57 $7.76 $514.25 $522.00 $1,554.34
Jul, 2027 58 $5.83 $516.18 $522.00 $1,038.17
Aug, 2027 59 $3.89 $518.11 $522.00 $520.05
Sep, 2027 60 $1.95 $520.05 $522.00 $0.00

Original vs. Car Refinance

Original Car Refinance
Monthly Payment $500.00 $522.00
Total Interest $4,729.94 $3,320.27
Total Principal $28,000.00 $28,000.00
Total Payment $32,729.94 $31,320.27
Total Interest Savings $0 $1,409.67
Payoff Date Mar, 2028 Sep, 2027



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