30-yr fixed 6.43% ▾ 0.06 wk

15-yr fixed 5.79% ▾ 0.04 wk

HELOC avg 7.90% — no change

Auto 60-mo new 6.82% ▴ +0.03 mo

Personal 24-mo 11.57% ▾ 0.12 qtr

Credit card APR 21.52% ▴ +0.09 qtr

as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)

Auto Calculators

Auto Loan Early Payoff Calculator

See how adding to your monthly car payment shortens the loan and reduces the interest you pay.

Inputs

Current loan balance

Interest rate (APR)

Current monthly payment

Extra monthly payment

Estimates only. Change any value to recalculate instantly.

Interest you would save $941 and finish 12 months sooner

Current payoff 59 mo

New payoff 47 mo

Interest (current) $4,337

Interest (with extra) $3,395

Interest: with vs without extra

Interest still paid $3.4k
Interest saved $941

Paying $100 extra each month clears your auto loan 12 months early and saves $941.

Yearly payoff schedule (with extra payment)View table

Year	Paid	Principal	Interest	Balance
1	$6,600	$5,124	$1,476	$16,876
2	$6,600	$5,522	$1,078	$11,355
3	$6,600	$5,950	$650	$5,405
4	$5,595	$5,405	$191	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.