Car Financing Simulator

Standard financing offer

Total car price (€) Down payment (€) Number of instalments Monthly instalment (€) Total extra costs (€)

Total paid to keep the car —

Enter the offer amounts and number of instalments.

Amount financed—

Total of instalments—

Difference vs. car price—

Approx. annual rate—

Flexible financing offer

Car price (€) Down payment (€) Number of regular instalments Regular instalment (€) Final payment / guaranteed final value (€) Total extra costs (€)

The final payment is due one month after the last regular instalment

Total paid to keep the car —

Enter the offer amounts to see the calculation.

Amount financed (no fees)—

Paid before final payment—

Difference vs. car price—

Approx. annual rate (no fees)—

Final analysis

Complete both offers to compare them.

Standard financing · total to keep—

Flexible financing offer · total to keep—

Difference—

How the figures are calculated

Standard total = down payment + monthly payment × number of payments + separately paid extra costs. Flexible offer total to keep = down payment + regular payments + final payment + separately paid extra costs. Difference from price = total paid − car price.

The inferred offer rates use monthly cash flows without separately paid extra costs, so neither is a contractual TAE.