Car Financing Calculator
Compare financing options for your car. Installment loan, leasing and balloon financing. Quick online calculation with examples, fully updated for 2026.
Cash Payment
Dealer Loan
Bank Loan
| Option | Monthly Rate | Interest | Total Cost | Extra Cost |
|---|---|---|---|---|
| Cash Payment | -- | -1.250,00 € | 23.750,00 € | Cheapest |
| Dealer Loan | 459,68 € | 2.064,66 € | 27.064,66 € | +3.314,66 € |
| Bank Loan | 363,83 € | 1.830,09 € | 26.830,09 € | +3.080,09 € |
Cheapest Option
Cash Payment
Total costs: 23.750,00 €
The calculation compares total costs including interest. Cash payment considers a possible discount.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What car financing options are available?
The main options are bank loans, dealer financing, leasing, and balloon financing (Drei-Wege-Finanzierung). Each has different monthly payments, ownership structures, and total costs.
How much car can I afford?
A common guideline is that total car costs (financing, insurance, fuel, maintenance) should not exceed 15-20% of net income. The purchase price should ideally not exceed 3-6 monthly net salaries.
What is the Car Financing Calculator?
The car financing calculator compares the total costs of different financing methods: cash purchase, instalment loan, balloon financing and leasing.
How does the Car Financing Calculator work?
Enter the vehicle price, down payment and desired term. The calculator compares monthly instalments and total costs of all options. For cash purchase the foregone interest income is considered.
Key Data and Facts
Cash purchase: discount often available. Instalment loan: you own the vehicle. Balloon financing: low instalments, high final payment. Leasing: usage right without ownership.
Step-by-Step Guide
So compare Sie Autofinanzierungsarten step by step: 1. Barkauf calculate: Kaufpreis abzueglich moeglichem Barzahlerrabatt (oft 5-15 %). Entgangene Rendite auf das eingesetzte Kapital beruecksichtigen (z. B. 4 % p. a.). 2. Ratenkredit calculate: Darlehensbetrag = Kaufpreis minus Anzahlung. Monatliche rate = Darlehensbetrag x Zinsfaktor. Gesamtkosten = Summe aller Raten. Fahrzeug gehoert sofort Ihnen. 3. Ballonfinanzierung (Drei-Wege-Finanzierung): Anzahlung + niedrige Monatsraten + hohe Schlussrate. Am Ende: Schlussrate zahlen, refinanzieren oder Fahrzeug zurueckgeben. 4. Leasing: Monatliche Leasingrate fuer Nutzungsrecht. Kein Eigentum, Rueckgabe am Ende. Kilometerleasing: feste km-Grenze. Restwertleasing: Risiko bei Wertminderung. 5. Gesamtkosten compare: Summe aller Zahlungen (inkl. Anzahlung und Schlussrate) minus Restwert des Fahrzeugs.
Calculation Example
Neuwagen 30.000 EUR, 48 Monate. Barkauf (10 % Rabatt): 27.000 EUR. Ratenkredit (4,9 %): 690 EUR/month, total 33.120 EUR. Ballonfinanzierung: 350 EUR/month + 12.000 EUR Schlussrate = 28.800 EUR. Leasing: 380 EUR/month = 18.240 EUR (kein Eigentum).
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