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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 Results |
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New Monthly Payment: |
$496.93 | |||||
Payoff Date: |
Aug, 2028 | |||||
Total Interest Savings: |
$1,948.38 | |||||
Car Refinance Amortization Schedule |
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| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Sep, 2023 | 1 | $58.33 | $438.59 | $496.93 | $27,561.41 | |
| Oct, 2023 | 2 | $57.42 | $439.51 | $496.93 | $27,121.90 | |
| Nov, 2023 | 3 | $56.50 | $440.42 | $496.93 | $26,681.48 | |
| Dec, 2023 | 4 | $55.59 | $441.34 | $496.93 | $26,240.14 | |
| Jan, 2024 | 5 | $54.67 | $442.26 | $496.93 | $25,797.88 | |
| Feb, 2024 | 6 | $53.75 | $443.18 | $496.93 | $25,354.70 | |
| Mar, 2024 | 7 | $52.82 | $444.10 | $496.93 | $24,910.60 | |
| Apr, 2024 | 8 | $51.90 | $445.03 | $496.93 | $24,465.57 | |
| May, 2024 | 9 | $50.97 | $445.96 | $496.93 | $24,019.61 | |
| Jun, 2024 | 10 | $50.04 | $446.89 | $496.93 | $23,572.72 | |
| Jul, 2024 | 11 | $49.11 | $447.82 | $496.93 | $23,124.91 | |
| Aug, 2024 | 12 | $48.18 | $448.75 | $496.93 | $22,676.16 | |
| Sep, 2024 | 13 | $47.24 | $449.68 | $496.93 | $22,226.48 | |
| Oct, 2024 | 14 | $46.31 | $450.62 | $496.93 | $21,775.85 | |
| Nov, 2024 | 15 | $45.37 | $451.56 | $496.93 | $21,324.29 | |
| Dec, 2024 | 16 | $44.43 | $452.50 | $496.93 | $20,871.79 | |
| Jan, 2025 | 17 | $43.48 | $453.44 | $496.93 | $20,418.35 | |
| Feb, 2025 | 18 | $42.54 | $454.39 | $496.93 | $19,963.96 | |
| Mar, 2025 | 19 | $41.59 | $455.33 | $496.93 | $19,508.63 | |
| Apr, 2025 | 20 | $40.64 | $456.28 | $496.93 | $19,052.35 | |
| May, 2025 | 21 | $39.69 | $457.23 | $496.93 | $18,595.11 | |
| Jun, 2025 | 22 | $38.74 | $458.19 | $496.93 | $18,136.93 | |
| Jul, 2025 | 23 | $37.79 | $459.14 | $496.93 | $17,677.78 | |
| Aug, 2025 | 24 | $36.83 | $460.10 | $496.93 | $17,217.69 | |
| Sep, 2025 | 25 | $35.87 | $461.06 | $496.93 | $16,756.63 | |
| Oct, 2025 | 26 | $34.91 | $462.02 | $496.93 | $16,294.61 | |
| Nov, 2025 | 27 | $33.95 | $462.98 | $496.93 | $15,831.64 | |
| Dec, 2025 | 28 | $32.98 | $463.94 | $496.93 | $15,367.69 | |
| Jan, 2026 | 29 | $32.02 | $464.91 | $496.93 | $14,902.78 | |
| Feb, 2026 | 30 | $31.05 | $465.88 | $496.93 | $14,436.90 | |
| Mar, 2026 | 31 | $30.08 | $466.85 | $496.93 | $13,970.05 | |
| Apr, 2026 | 32 | $29.10 | $467.82 | $496.93 | $13,502.23 | |
| May, 2026 | 33 | $28.13 | $468.80 | $496.93 | $13,033.44 | |
| Jun, 2026 | 34 | $27.15 | $469.77 | $496.93 | $12,563.66 | |
| Jul, 2026 | 35 | $26.17 | $470.75 | $496.93 | $12,092.91 | |
| Aug, 2026 | 36 | $25.19 | $471.73 | $496.93 | $11,621.18 | |
| Sep, 2026 | 37 | $24.21 | $472.72 | $496.93 | $11,148.46 | |
| Oct, 2026 | 38 | $23.23 | $473.70 | $496.93 | $10,674.76 | |
| Nov, 2026 | 39 | $22.24 | $474.69 | $496.93 | $10,200.08 | |
| Dec, 2026 | 40 | $21.25 | $475.68 | $496.93 | $9,724.40 | |
| Jan, 2027 | 41 | $20.26 | $476.67 | $496.93 | $9,247.73 | |
| Feb, 2027 | 42 | $19.27 | $477.66 | $496.93 | $8,770.07 | |
| Mar, 2027 | 43 | $18.27 | $478.66 | $496.93 | $8,291.42 | |
| Apr, 2027 | 44 | $17.27 | $479.65 | $496.93 | $7,811.76 | |
| May, 2027 | 45 | $16.27 | $480.65 | $496.93 | $7,331.11 | |
| Jun, 2027 | 46 | $15.27 | $481.65 | $496.93 | $6,849.46 | |
| Jul, 2027 | 47 | $14.27 | $482.66 | $496.93 | $6,366.80 | |
| Aug, 2027 | 48 | $13.26 | $483.66 | $496.93 | $5,883.14 | |
| Sep, 2027 | 49 | $12.26 | $484.67 | $496.93 | $5,398.47 | |
| Oct, 2027 | 50 | $11.25 | $485.68 | $496.93 | $4,912.79 | |
| Nov, 2027 | 51 | $10.23 | $486.69 | $496.93 | $4,426.10 | |
| Dec, 2027 | 52 | $9.22 | $487.71 | $496.93 | $3,938.40 | |
| Jan, 2028 | 53 | $8.20 | $488.72 | $496.93 | $3,449.68 | |
| Feb, 2028 | 54 | $7.19 | $489.74 | $496.93 | $2,959.94 | |
| Mar, 2028 | 55 | $6.17 | $490.76 | $496.93 | $2,469.18 | |
| Apr, 2028 | 56 | $5.14 | $491.78 | $496.93 | $1,977.39 | |
| May, 2028 | 57 | $4.12 | $492.81 | $496.93 | $1,484.59 | |
| Jun, 2028 | 58 | $3.09 | $493.83 | $496.93 | $990.76 | |
| Jul, 2028 | 59 | $2.06 | $494.86 | $496.93 | $495.89 | |
| Aug, 2028 | 60 | $1.03 | $495.89 | $496.93 | $0.00 | |
Original vs. Car Refinance |
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| Original | Car Refinance | |||||
| Monthly Payment | $500.00 | $496.93 | ||||
| Total Interest | $3,763.95 | $1,815.57 | ||||
| Total Principal | $28,000.00 | $28,000.00 | ||||
| Total Payment | $31,763.95 | $29,815.57 | ||||
| Total Interest Savings | $0 | $1,948.38 | ||||
| Payoff Date | Dec, 2028 | Aug, 2028 | ||||
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