Kalkulator
Kalkulator Cicilan Mobil / Auto EMI
Car price + loan = your monthly payment, with trade-in.
Sticker price plus the loan — what the monthly really is.
Same amortising-loan math as the home-loan calculator with car-specific defaults. Add fees and taxes to the price field if your dealer rolls them into the loan.
Catatan editor
Understanding · Three inputs, one annuity formula.
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Quick answers.
›How is the monthly EMI calculated?
The calculator uses the standard reducing balance formula to divide the total loan amount and interest over the selected term. It subtracts your down payment and trade-in value from the purchase price before applying interest.
›What is a trade-in offset?
A trade-in offset reduces the taxable price of the new vehicle in many regions. The calculator subtracts the trade-in value from the car price before calculating the loan principal.
›Should I include sales tax?
Yes, for a more accurate total. Sales tax is usually calculated on the purchase price and added to the loan amount unless paid upfront.
›Are these rates guaranteed?
No. This tool provides an estimate based on the figures you provide. Final rates and terms are determined by your lender based on credit history and specific dealer offers.
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