Car Financing Simulator

Enter two dealer offers, then compare what you would pay to keep the car. The map below explores other standard-loan scenarios.

Standard financing offer

Equal monthly payments with no final balance. Enter the dealer's number of payments and monthly amount.

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

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—

The inferred rate assumes monthly payments and no extra fees; it is not the contract's TAE.

Flexible financing offer

Monthly payments plus a final balance if you keep the car. Enter the figures from your offer.

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

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)—

The inferred rate excludes extra fees and is not the contract's TAE. Returning the car is subject to its contract, mileage, and condition rules. Refinancing the final payment adds cost.

Final analysis

Complete both offers to compare them.

Standard financing · total to keep—

Flexible financing offer · total to keep—

Difference—

Compare the same car price and included services. Returning the car under the flexible offer is a separate outcome.

Explore standard-loan scenarios

Adjust the assumptions and click the map to inspect a standard loan.

Map and loan assumptions

Highest car price € Highest down payment € Loan term years Annual interest rate at 20% down % Rate change per 10% down percentage points

Illustrative rate model: a larger down payment lowers the assumed rate. Actual offers may differ.

Selected scenario

All-in car price € Down payment €

Annual interest rate—

Monthly payment—

Amount financed—

Total interest—

Total paid—

Map color shows

Show monthly budget line Budget (€ / month)

Financing landscapeClick the map or enter a selected scenario above

Monthly payment Rate contours (%)

Empty area: down payment exceeds car price. Diagonal: cash purchase. Cross: selected scenario.

How the figures are calculated

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

The map uses a fixed-rate amortizing loan and an illustrative annual interest rate that changes with the down-payment share. It excludes loan fees, running costs, and any final payment. The inferred offer rates use monthly cash flows without extra fees, so neither is a contractual TAE.