Free calculator
New vs Used Car Calculator
Compare estimated loan payments and ownership-period costs for a new car versus a used car.
No sign-up required
Works in your browser
Educational estimate
Car Comparison Details
Results
New Car Monthly Payment$0
Used Car Monthly Payment$0
New Car Estimated Total$0
Used Car Estimated Total$0
Estimated Lower Cost—
Estimated Difference$0
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How this calculator works
The calculator compares estimated loan payments plus entered annual maintenance estimates over the loan term.
Last updated: June 23, 2026. Results are estimates and may not include every fee, tax, lender rule, or personal factor.
New vs used FAQ
Does this include depreciation?
No. This version estimates loan and maintenance cost. Depreciation, insurance, registration, and resale value can change the real comparison.