Car Payment Calculator

Plan Smart. Shop Confidently.

At John Kennedy Ford in Conshohocken, PA, we believe buying a car should be exciting — not overwhelming. That’s why we’ve made it easy for you to take control of your budget with our simple, easy-to-use payment calculator. Whether you're planning to lease or finance, you’ll get a clear estimate of your monthly payment or buying power before you even step foot in the dealership.

How It Works

With just a few inputs, you can calculate two key numbers:

• Monthly Payment – what you’ll pay each month based on the car price, loan terms, and down payment.

• Buying Power – how much car you can afford based on your desired monthly payment.

You can adjust the numbers as much as you’d like until you find a plan that fits your life.

Monthly Payment Estimator: What You’ll Need

To get started, just plug in a few numbers:

• Trade-in Value or Down Payment – Enter how much cash you're putting down or the value of your current car. This lowers your loan amount and your monthly cost.

• Loan Amount – Unsure what to enter? Try a few amounts (like $10,000 or $25,000) to see how they affect your monthly payment.

• Loan Term – Choose a repayment term from 12 to 84 months. Shorter terms mean higher monthly payments but less interest paid overall.

• Interest Rate – Rates range from 0% to 20.9%. If you're not sure what rate you qualify for, test a few options to see how they change your payment.

?? Tip: The calculator is interactive, so feel free to experiment until you find a payment that works for you!

Buying Power Estimator: Reverse the Process

Instead of entering the loan amount, you’ll enter your ideal monthly payment — and we’ll show you how much car you can afford.

All the other inputs stay the same:

• Trade-in/down payment

• Interest rate

• Loan term

It’s a quick and easy way to see your options based on your budget.

Example Scenarios

• Want to spend around $400/month with a $5,000 down payment, a 60-month loan, and a 6.9% interest rate? Your estimated buying power is $35,250.

• Prefer a lower $250/month payment with the same terms? Your buying power drops to about $27,656.

• Looking at a $25,000 car, planning to put $5,000 down, and financing for 66 months at 5.9%? Your monthly payment would be around $356.

• Need to go even lower? Extend the term to 72 months to reduce your payment to $331, or add an extra $2,500 down to bring it to $311/month.

Why Use Our Payment Calculator?

Because knowing your numbers = shopping smart. This tool helps you:

• Understand your true budget

• Explore different financing or lease scenarios

• Avoid overspending or wasting time on vehicles outside your range

• Feel confident and prepared when you visit the dealership

Start Planning Today

Our car payment calculator is available anytime — whether you're on the couch at home or at the dealership browsing options. Try it out now to see what fits your budget, then check out our new inventory or pre-owned selection to find your match.

Have questions or want help from a financing expert? Give us a call or contact us online. We’re here to help every step of the way.