Financing
Auto Loan Payoff Calculator
Estimate your current auto-loan balance and compare it with the vehicle’s trade-in value.
Reviewed September 8, 2026
Enter your numbers
Calculate your estimate
Your estimate
Estimated loan balance$22,530.51
Calculated monthly payment$632.13
Payments remaining40 months
Potential equity$5,469.49
Exact payoff quoteRequest from your lender
Estimate only — actual figures may vary.
Quick answer
Estimate loan balance and vehicle equity
This calculator estimates the remaining loan balance from the original amount, APR, term and payments made, then compares it with trade-in value.
The method
Estimated remaining balance
Remaining scheduled payments are discounted using the entered APR to estimate today’s principal balance.
Only the lender can issue an exact payoff quote.
Daily interest and fees can change the figure.
Trade-in value is not guaranteed.
Loan payoff questions
Is this the exact payoff quote?
No. Lenders calculate exact payoff with daily interest, fees and timing. Request a payoff quote before selling or refinancing.
What is negative equity?
Negative equity means the estimated loan balance is higher than the vehicle's current trade-in or market value.