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Pay now or in installments, loans and financing, and the true cost of owning a car.
Compare a discount for paying now with installments, with the hidden interest and what your money would earn meanwhile.
Discount now against interest-free paymentsWork out the payment, total interest and true annual cost of a loan, compare repayment methods and see whether refinancing pays.
Payment, true cost and refinancingCompare owning a car, with depreciation, taxes, insurance and fuel, against ride-hailing apps and a car subscription.
True cost per mile and break-even mileageConvert rates between month, year and day (252, 360 or 365), APR to APY, and work out the true cost of a loan with fees.
Monthly ↔ annual, APR ↔ APY, true costSee how long and how much interest it costs to pay only the card minimum, and compare with a fixed payment and an installment plan.
Minimum, fixed payment or installment planFind the maximum payment for your income, how much it can borrow with a fixed or declining payment and the top price of a home or car.
Maximum loan by income and rateCompare the total cost of an EV and a gas car: energy, maintenance, insurance, taxes, depreciation and payback.
Cost per mile, payback and break-evenWork out what your miles are worth on a redemption, whether buying points pays off and whether a points card beats cash back after the annual fee.
Value per mile, miles vs. cash backHow much interest you save with extra payments on any loan, by shortening the term or lowering the payment, and whether investing pays more.
Mortgage, car or personal loanCalculate a rideshare or delivery driver’s real profit after gas, wear, car rental and fixed costs, per hour, per mile and per month.
Real profit per hour and per mileCompare your mortgage with a lower-rate refinance: new payment, savings after closing costs, break-even month and net result if you move.
New payment, savings and break-evenImportant notice: PersonalCalcs calculators are educational tools that produce estimates from the data you enter and from standard financial formulas. Results are not investment, tax, legal or accounting advice and are not an offer or recommendation to buy or sell any security or financial product. PersonalCalcs is not a bank, broker or licensed financial adviser. Rates, taxes and rules vary by country and change over time: check with an official source or a qualified professional before making decisions. By using this site you agree to the Terms of Use.
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