# Car Loan Calculator — autocalculatorloan.com

> Free, private, client-side auto loan calculator with amortization schedules, affordability checks, extra payment payoff accelerator, and scenario comparisons.

## Core Features
- Vehicle price, down payment ($ and %), trade-in value, and negative equity trade-in payoff calculations.
- Sales tax calculation with option to roll tax into loan or pay upfront.
- Interest rate (APR) and customizable loan terms from 12 to 84+ months.
- Comprehensive loan breakdown: monthly payment, total principal, total interest paid, total cost of vehicle, and exact payoff date.
- Visual breakdown of principal vs. interest.
- Interactive Amortization Schedule table with annual & monthly views and instant CSV download.
- "Can I Afford This?" affordability check based on monthly take-home income and standard debt-to-income benchmarks.
- Extra payment payoff simulator: calculate interest savings and months shaved off the loan term with monthly extra payments or lump-sum payments.
- Side-by-side scenario comparison tool (compare two loan terms or interest rates).
- New vs. Used car loan interest rate benchmarks and guidance.
- 100% client-side computation: no backend, no data stored, no sign-up required, no lender lead-generation traps.

## Key URLs
- Homepage & Calculator: https://autocalculatorloan.com/
- About Us: https://autocalculatorloan.com/about
- Contact Support: https://autocalculatorloan.com/contact
- Privacy Policy: https://autocalculatorloan.com/privacy-policy
- Terms & Conditions: https://autocalculatorloan.com/terms
- Free Utility Disclosure: https://autocalculatorloan.com/pricing.md