What are the assumptions for this calculation?

Depreciation curve uses a simple first-year percentage and later-year percentage with a mileage penalty. Trade-in tax credit varies by state; adjust your tax rate accordingly. Resale estimates are approximate-real market values vary by model and region.

How long will I be underwater with negative equity?

The calculator estimates when your loan balance will dip below the estimated resale value based on your payment schedule and depreciation assumptions. This helps you understand how long you'll be underwater and plan accordingly.

Negative Equity Calculator

Calculate negative equity roll-in

New Vehicle Price ($)

Down Payment ($)

APR (%)

Loan Term (Years)

Trade-In Value ($)

Trade-In Payoff ($)

Sales Tax Rate (%)

Doc/DMV Fees ($)

Miles per Year

1st-Year Depreciation (%)

Later-Year Depreciation (%)

Resale Penalty ($/mile)

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Negative Equity Roll-In Calculator

Rolling debt into a new loan? Estimate payment, LTV%, and how long you'll be underwater.

What this shows

Rolling negative equity increases the amount financed and can keep you underwater longer. This calculator estimates your new payment, LTV at the start, total interest, and the approximate month when your balance dips below an estimated resale value.

Assumptions

Depreciation curve uses a simple first-year percentage and later-year percentage with a mileage penalty.
Trade-in tax credit varies by state; adjust your tax rate accordingly.
Resale estimates are approximate-real market values vary by model and region.

Negative Equity Calculator

Embed This Calculator on Your Website

Negative Equity Roll-In Calculator

What this shows

Assumptions

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