Auto Loan Calculators (2026)
What rolling negative equity into the next car actually costs you.
About these auto calculators
Negative equity — owing more on a car than it is worth — is common, because vehicles depreciate fastest in the first two years while long loan terms retire principal slowly. Dealers will roll the shortfall into your next loan without hesitation. Nothing is forgiven when they do: the old debt is added to the new principal, where it attracts the new interest rate for the full new term, so you pay interest on a car you no longer own. This calculator shows the resulting payment, the loan-to-value you start at, how long you stay underwater, and what paying the shortfall in cash instead would save.
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