Car Loan Calculator NZ
Calculate monthly car loan payments, total interest, and repayment schedule for car loans in New Zealand. Compare rates from ANZ, ASB, Westpac, AA Finance and more. Support for balloon payments and extra payments.
Loan Details
Default rate: 9.95%% (you can adjust below)
Loan Amount: $30,000.00
Extra Payments (Optional)
Monthly Payment
$636.67
Loan Amount
$30,000.00
Total Interest
$8,200.40
Total Payment
$38,200.20
Payment Schedule
| Month | Payment Date | Beginning Balance | Principal | Interest | Extra Payment | Total Payment | Ending Balance |
|---|---|---|---|---|---|---|---|
| 1 | 1 Dec 2025 | $30,000.00 | $387.92 | $248.75 | $0.00 | $636.67 | $29,612.08 |
| 2 | 1 Jan 2026 | $29,612.08 | $391.14 | $245.53 | $0.00 | $636.67 | $29,220.94 |
| 3 | 1 Feb 2026 | $29,220.94 | $394.38 | $242.29 | $0.00 | $636.67 | $28,826.55 |
| 4 | 1 Mar 2026 | $28,826.55 | $397.65 | $239.02 | $0.00 | $636.67 | $28,428.90 |
| 5 | 1 Apr 2026 | $28,428.90 | $400.95 | $235.72 | $0.00 | $636.67 | $28,027.95 |
| 6 | 1 May 2026 | $28,027.95 | $404.28 | $232.40 | $0.00 | $636.67 | $27,623.67 |
| 7 | 1 Jun 2026 | $27,623.67 | $407.63 | $229.05 | $0.00 | $636.67 | $27,216.05 |
| 8 | 1 Jul 2026 | $27,216.05 | $411.01 | $225.67 | $0.00 | $636.67 | $26,805.04 |
| 9 | 1 Aug 2026 | $26,805.04 | $414.42 | $222.26 | $0.00 | $636.67 | $26,390.62 |
| 10 | 1 Sept 2026 | $26,390.62 | $417.85 | $218.82 | $0.00 | $636.67 | $25,972.77 |
| 11 | 1 Oct 2026 | $25,972.77 | $421.32 | $215.36 | $0.00 | $636.67 | $25,551.46 |
| 12 | 1 Nov 2026 | $25,551.46 | $424.81 | $211.86 | $0.00 | $636.67 | $25,126.65 |
| 13 | 1 Dec 2026 | $25,126.65 | $428.33 | $208.34 | $0.00 | $636.67 | $24,698.32 |
| 14 | 1 Jan 2027 | $24,698.32 | $431.88 | $204.79 | $0.00 | $636.67 | $24,266.43 |
| 15 | 1 Feb 2027 | $24,266.43 | $435.46 | $201.21 | $0.00 | $636.67 | $23,830.97 |
| 16 | 1 Mar 2027 | $23,830.97 | $439.08 | $197.60 | $0.00 | $636.67 | $23,391.89 |
| 17 | 1 Apr 2027 | $23,391.89 | $442.72 | $193.96 | $0.00 | $636.67 | $22,949.18 |
| 18 | 1 May 2027 | $22,949.18 | $446.39 | $190.29 | $0.00 | $636.67 | $22,502.79 |
| 19 | 1 Jun 2027 | $22,502.79 | $450.09 | $186.59 | $0.00 | $636.67 | $22,052.70 |
| 20 | 1 Jul 2027 | $22,052.70 | $453.82 | $182.85 | $0.00 | $636.67 | $21,598.88 |
| 21 | 1 Aug 2027 | $21,598.88 | $457.58 | $179.09 | $0.00 | $636.67 | $21,141.30 |
| 22 | 1 Sept 2027 | $21,141.30 | $461.38 | $175.30 | $0.00 | $636.67 | $20,679.92 |
| 23 | 1 Oct 2027 | $20,679.92 | $465.20 | $171.47 | $0.00 | $636.67 | $20,214.72 |
| 24 | 1 Nov 2027 | $20,214.72 | $469.06 | $167.61 | $0.00 | $636.67 | $19,745.66 |
| 25 | 1 Dec 2027 | $19,745.66 | $472.95 | $163.72 | $0.00 | $636.67 | $19,272.71 |
| 26 | 1 Jan 2028 | $19,272.71 | $476.87 | $159.80 | $0.00 | $636.67 | $18,795.84 |
| 27 | 1 Feb 2028 | $18,795.84 | $480.82 | $155.85 | $0.00 | $636.67 | $18,315.02 |
| 28 | 1 Mar 2028 | $18,315.02 | $484.81 | $151.86 | $0.00 | $636.67 | $17,830.21 |
| 29 | 1 Apr 2028 | $17,830.21 | $488.83 | $147.84 | $0.00 | $636.67 | $17,341.37 |
| 30 | 1 May 2028 | $17,341.37 | $492.88 | $143.79 | $0.00 | $636.67 | $16,848.49 |
| 31 | 1 Jun 2028 | $16,848.49 | $496.97 | $139.70 | $0.00 | $636.67 | $16,351.52 |
| 32 | 1 Jul 2028 | $16,351.52 | $501.09 | $135.58 | $0.00 | $636.67 | $15,850.43 |
| 33 | 1 Aug 2028 | $15,850.43 | $505.25 | $131.43 | $0.00 | $636.67 | $15,345.18 |
| 34 | 1 Sept 2028 | $15,345.18 | $509.44 | $127.24 | $0.00 | $636.67 | $14,835.74 |
| 35 | 1 Oct 2028 | $14,835.74 | $513.66 | $123.01 | $0.00 | $636.67 | $14,322.08 |
| 36 | 1 Nov 2028 | $14,322.08 | $517.92 | $118.75 | $0.00 | $636.67 | $13,804.16 |
| 37 | 1 Dec 2028 | $13,804.16 | $522.21 | $114.46 | $0.00 | $636.67 | $13,281.95 |
| 38 | 1 Jan 2029 | $13,281.95 | $526.54 | $110.13 | $0.00 | $636.67 | $12,755.40 |
| 39 | 1 Feb 2029 | $12,755.40 | $530.91 | $105.76 | $0.00 | $636.67 | $12,224.49 |
| 40 | 1 Mar 2029 | $12,224.49 | $535.31 | $101.36 | $0.00 | $636.67 | $11,689.18 |
| 41 | 1 Apr 2029 | $11,689.18 | $539.75 | $96.92 | $0.00 | $636.67 | $11,149.43 |
| 42 | 1 May 2029 | $11,149.43 | $544.23 | $92.45 | $0.00 | $636.67 | $10,605.21 |
| 43 | 1 Jun 2029 | $10,605.21 | $548.74 | $87.93 | $0.00 | $636.67 | $10,056.47 |
| 44 | 1 Jul 2029 | $10,056.47 | $553.29 | $83.38 | $0.00 | $636.67 | $9,503.18 |
| 45 | 1 Aug 2029 | $9,503.18 | $557.88 | $78.80 | $0.00 | $636.67 | $8,945.30 |
| 46 | 1 Sept 2029 | $8,945.30 | $562.50 | $74.17 | $0.00 | $636.67 | $8,382.80 |
| 47 | 1 Oct 2029 | $8,382.80 | $567.17 | $69.51 | $0.00 | $636.67 | $7,815.63 |
| 48 | 1 Nov 2029 | $7,815.63 | $571.87 | $64.80 | $0.00 | $636.67 | $7,243.76 |
| 49 | 1 Dec 2029 | $7,243.76 | $576.61 | $60.06 | $0.00 | $636.67 | $6,667.15 |
| 50 | 1 Jan 2030 | $6,667.15 | $581.39 | $55.28 | $0.00 | $636.67 | $6,085.76 |
| 51 | 1 Feb 2030 | $6,085.76 | $586.21 | $50.46 | $0.00 | $636.67 | $5,499.55 |
| 52 | 1 Mar 2030 | $5,499.55 | $591.07 | $45.60 | $0.00 | $636.67 | $4,908.48 |
| 53 | 1 Apr 2030 | $4,908.48 | $595.97 | $40.70 | $0.00 | $636.67 | $4,312.50 |
| 54 | 1 May 2030 | $4,312.50 | $600.92 | $35.76 | $0.00 | $636.67 | $3,711.59 |
| 55 | 1 Jun 2030 | $3,711.59 | $605.90 | $30.78 | $0.00 | $636.67 | $3,105.69 |
| 56 | 1 Jul 2030 | $3,105.69 | $610.92 | $25.75 | $0.00 | $636.67 | $2,494.77 |
| 57 | 1 Aug 2030 | $2,494.77 | $615.99 | $20.69 | $0.00 | $636.67 | $1,878.78 |
| 58 | 1 Sept 2030 | $1,878.78 | $621.10 | $15.58 | $0.00 | $636.67 | $1,257.68 |
| 59 | 1 Oct 2030 | $1,257.68 | $626.25 | $10.43 | $0.00 | $636.67 | $631.44 |
| 60 | 1 Nov 2030 | $631.44 | $631.44 | $5.24 | $0.00 | $636.67 | $0.00 |