Esempi
Calcolatore Finanziamento Auto — Worked Examples
2 real worked examples for the Calcolatore Finanziamento Auto calculator. See how we solve common scenarios with full step-by-step math.
1
New car financing
Scenario
$35,000 MSRP, $5,000 down, financed at 6.5% APR for 5 years.
Input
- Car price
- $35,000
- Down payment
- $5,000
- Loan amount
- $30,000
- APR
- 6.5%
- Term
- 5 years
Passaggi del calcolo
- r = 0.065 / 12 = 0.00542
- n = 60
- M = 30000 × (0.00542 × 1.00542⁶⁰) / (1.00542⁶⁰ − 1)
- M ≈ $587 / month
- Total cost = $587 × 60 = $35,220
Risultato
Monthly: $587 • Total interest: $5,220 • Total cost of car: $40,220 ($35k + $5k down + $5,220 interest)
2
Used car with higher rate
Scenario
$18,000 used car, $2,000 down, 9% APR (higher rate for used car), 4 years.
Input
- Car price
- $18,000
- Down payment
- $2,000
- Loan amount
- $16,000
- APR
- 9%
- Term
- 4 years
Passaggi del calcolo
- r = 0.09 / 12 = 0.0075
- n = 48
- M = 16000 × (0.0075 × 1.0075⁴⁸) / (1.0075⁴⁸ − 1)
- M ≈ $399 / month
Risultato
Monthly: $399 • Total interest: $3,143 • Watch the depreciation — used cars lose 15–25% in year 1