Car Finance ToolsCalculate

Auto Loan Payoff Calculator

Updated

See how soon your auto loan can be paid off at your current payment, or work backwards from a target date to find the extra payment needed.

Your auto loan payoff date is the month your remaining balance reaches zero given your current payment, APR, and any lump-sum or extra payments. Always confirm the exact payoff amount with your lender — it includes per-diem interest and may include fees.

Estimate only. Estimate only. Not a loan offer, lender quote, dealer quote, lease agreement, retail installment sales contract, DMV estimate, or financial advice. Actual rates, payments, taxes, fees, incentives, residual values, insurance, fuel, and maintenance costs may vary.

Current loan

Estimated payoff

Jun 7, 2031

Months to payoff

5 yrs 1 mo

Total interest

$3,155.66

info: Estimate only

This is an educational estimate, not an official lender payoff quote.

How this is calculated

We simulate month-by-month: subtract scheduled interest from the payment, apply the rest to principal, and continue until the balance is zero. Always confirm payoff quotes with your lender.

Frequently asked questions

Is this an official payoff quote?
No. Always request a current payoff quote from your lender before paying off — quotes can include per-diem interest and fees.

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