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Camper Finance Calculator

Camper finance calculator works out Payment and Total interest from Vehicle price, Cash down payment and Trade-in value. The default figures on this page give payment of 712.42; change any entry and the result, the working and the sources update together.

Payment

712.42

Auto Loan Calculator

Total interest

53,234.27

Total of payments

128,234.27

Number of payments

180

Payoff time

15 years

Rate per period

0.658333 %

Interest per unit borrowed

0.7098

Interest saved by extra payments

Payments saved

Amount financed

75,000

Sales tax

Trade-in equity applied

Total cost of the vehicle

133,234.27

Cash needed at signing

5,000

Worked out from Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n) and 2 other sources.

Your figures

Updates as you type

Display currencyFormatting only. This does not change the calculation.

Vehicle price

Cash down payment

Trade-in value

Balance still owed on the trade-in Negative equity is rolled into the new loan.

Sales tax rate (%)State-branded variants pre-fill the state base rate on vehicle purchases as a starting point. Counties and cities frequently add to it, and several states use a separate vehicle excise or title tax instead, so confirm the rate for your address.

Trade-in reduces the taxable amount

Title, registration and dealer fees

Manufacturer rebate Applied after tax, reducing the amount financed.

Annual interest rate (%)The nominal annual rate (APR before fees), not the monthly rate.

Loan term (years)

Term - additional monthsAdded to the term in years, for terms such as 5 years and 6 months. To state a tenure purely in months, set the years to 0 and enter the whole tenure here.

Payment frequency

Extra payment each period Additional principal paid on top of the scheduled payment.

Include the amortisation schedule

How this is worked out

4 steps

Taxable amount = price minus trade-in = 80000
Sales tax at 0% = 0
Amount financed = price 80000 + tax 0 + fees 0 - rebate 0 - down 5000 - trade equity 0 = 75000
Payment on 75000 at 7.9% = 712.42

Amortisation scheduletable

period	payment	interest	principal	balance
1	712.42	493.75	218.67	74,781.33
2	712.42	492.31	220.11	74,561.22
3	712.42	490.86	221.56	74,339.66
4	712.42	489.4	223.02	74,116.64
5	712.42	487.93	224.49	73,892.15
6	712.42	486.46	225.96	73,666.19
7	712.42	484.97	227.45	73,438.74
8	712.42	483.47	228.95	73,209.79
9	712.42	481.96	230.46	72,979.33
10	712.42	480.45	231.97	72,747.36
11	712.42	478.92	233.5	72,513.86
12	712.42	477.38	235.04	72,278.82
13	712.42	475.84	236.58	72,042.24
14	712.42	474.28	238.14	71,804.1
15	712.42	472.71	239.71	71,564.39
16	712.42	471.13	241.29	71,323.1
17	712.42	469.54	242.88	71,080.22
18	712.42	467.94	244.48	70,835.74
19	712.42	466.34	246.08	70,589.66
20	712.42	464.72	247.7	70,341.96
21	712.42	463.08	249.34	70,092.62
22	712.42	461.44	250.98	69,841.64
23	712.42	459.79	252.63	69,589.01
24	712.42	458.13	254.29	69,334.72
25	712.42	456.45	255.97	69,078.75
26	712.42	454.77	257.65	68,821.1
27	712.42	453.07	259.35	68,561.75
28	712.42	451.36	261.06	68,300.69
29	712.42	449.65	262.77	68,037.92
30	712.42	447.92	264.5	67,773.42
31	712.42	446.18	266.24	67,507.18
32	712.42	444.42	268	67,239.18
33	712.42	442.66	269.76	66,969.42
34	712.42	440.88	271.54	66,697.88
35	712.42	439.09	273.33	66,424.55
36	712.42	437.29	275.13	66,149.42
37	712.42	435.48	276.94	65,872.48
38	712.42	433.66	278.76	65,593.72
39	712.42	431.83	280.59	65,313.13
40	712.42	429.98	282.44	65,030.69
41	712.42	428.12	284.3	64,746.39
42	712.42	426.25	286.17	64,460.22
43	712.42	424.36	288.06	64,172.16
44	712.42	422.47	289.95	63,882.21
45	712.42	420.56	291.86	63,590.35
46	712.42	418.64	293.78	63,296.57
47	712.42	416.7	295.72	63,000.85
48	712.42	414.76	297.66	62,703.19
49	712.42	412.8	299.62	62,403.57
50	712.42	410.82	301.6	62,101.97
51	712.42	408.84	303.58	61,798.39
52	712.42	406.84	305.58	61,492.81
53	712.42	404.83	307.59	61,185.22
54	712.42	402.8	309.62	60,875.6
55	712.42	400.76	311.66	60,563.94
56	712.42	398.71	313.71	60,250.23
57	712.42	396.65	315.77	59,934.46
58	712.42	394.57	317.85	59,616.61
59	712.42	392.48	319.94	59,296.67
60	712.42	390.37	322.05	58,974.62
61	712.42	388.25	324.17	58,650.45
62	712.42	386.12	326.3	58,324.15
63	712.42	383.97	328.45	57,995.7
64	712.42	381.81	330.61	57,665.09
65	712.42	379.63	332.79	57,332.3
66	712.42	377.44	334.98	56,997.32
67	712.42	375.23	337.19	56,660.13
68	712.42	373.01	339.41	56,320.72
69	712.42	370.78	341.64	55,979.08
70	712.42	368.53	343.89	55,635.19
71	712.42	366.27	346.15	55,289.04
72	712.42	363.99	348.43	54,940.61
73	712.42	361.69	350.73	54,589.88
74	712.42	359.38	353.04	54,236.84
75	712.42	357.06	355.36	53,881.48
76	712.42	354.72	357.7	53,523.78
77	712.42	352.36	360.06	53,163.72
78	712.42	349.99	362.43	52,801.29
79	712.42	347.61	364.81	52,436.48
80	712.42	345.21	367.21	52,069.27
81	712.42	342.79	369.63	51,699.64
82	712.42	340.36	372.06	51,327.58
83	712.42	337.91	374.51	50,953.07
84	712.42	335.44	376.98	50,576.09
85	712.42	332.96	379.46	50,196.63
86	712.42	330.46	381.96	49,814.67
87	712.42	327.95	384.47	49,430.2
88	712.42	325.42	387	49,043.2
89	712.42	322.87	389.55	48,653.65
90	712.42	320.3	392.12	48,261.53
91	712.42	317.72	394.7	47,866.83
92	712.42	315.12	397.3	47,469.53
93	712.42	312.51	399.91	47,069.62
94	712.42	309.87	402.55	46,667.07
95	712.42	307.22	405.2	46,261.87
96	712.42	304.56	407.86	45,854.01
97	712.42	301.87	410.55	45,443.46
98	712.42	299.17	413.25	45,030.21
99	712.42	296.45	415.97	44,614.24
100	712.42	293.71	418.71	44,195.53
101	712.42	290.95	421.47	43,774.06
102	712.42	288.18	424.24	43,349.82
103	712.42	285.39	427.03	42,922.79
104	712.42	282.58	429.84	42,492.95
105	712.42	279.75	432.67	42,060.28
106	712.42	276.9	435.52	41,624.76
107	712.42	274.03	438.39	41,186.37
108	712.42	271.14	441.28	40,745.09
109	712.42	268.24	444.18	40,300.91
110	712.42	265.31	447.11	39,853.8
111	712.42	262.37	450.05	39,403.75
112	712.42	259.41	453.01	38,950.74
113	712.42	256.43	455.99	38,494.75
114	712.42	253.42	459	38,035.75
115	712.42	250.4	462.02	37,573.73
116	712.42	247.36	465.06	37,108.67
117	712.42	244.3	468.12	36,640.55
118	712.42	241.22	471.2	36,169.35
119	712.42	238.11	474.31	35,695.04
120	712.42	234.99	477.43	35,217.61

First 120 of 180 rows.

Yearly summarytable

year	interest	principal	endingBalance
1	5,827.86	2,721.18	72,278.82
2	5,604.94	2,944.1	69,334.72
3	5,363.74	3,185.3	66,149.42
4	5,102.81	3,446.23	62,703.19
5	4,820.47	3,728.57	58,974.62
6	4,515.03	4,034.01	54,940.61
7	4,184.52	4,364.52	50,576.09
8	3,826.96	4,722.08	45,854.01
9	3,440.12	5,108.92	40,745.09
10	3,021.56	5,527.48	35,217.61
11	2,568.74	5,980.3	29,237.31
12	2,078.81	6,470.23	22,767.08
13	1,548.71	7,000.33	15,766.75
14	975.24	7,573.8	8,192.95
15	354.76	8,192.95	0

Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed

Sources and references

3 sources

Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n)

Equivalent to the Excel PMT function and to the actuarial present value of a level annuity.

12 CFR Part 1026 (Regulation Z), Appendix J - Annual Percentage Rate Computations

Trade-in sales tax credit varies by state; most states tax price minus trade-in

The tradeInTaxCredit switch selects the treatment for the buyer's jurisdiction.

Keep this result

Save it, change one figure, then compare the two

The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.

1 · Calculate2 · Save3 · Compare4 · Export5 · Share

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Saved data retention

Open workspace

What the camper finance calculator calculates

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing.

How to use this camper finance calculator

Enter Vehicle price, Cash down payment, Trade-in value and Balance still owed on the trade-in. Payment updates as you type. Change one figure at a time to see what drives the result.

How the result is worked out

Open “How this is worked out” beside the result for the step-by-step calculation behind Payment, Total interest and Total of payments.

The method follows Standard annuity-immediate payment formula, PMT = P i / (1 - (1+i)^-n), 12 CFR Part 1026 (Regulation Z), Appendix J - Annual Percentage Rate Computations and Trade-in sales tax credit varies by state; most states tax price minus trade-in.

What you can compare

Change one input at a time to see how it affects Payment, Total interest and Total of payments. The inputs you can vary are Vehicle price, Cash down payment, Trade-in value, Balance still owed on the trade-in, Sales tax rate and Trade-in reduces the taxable amount.

Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.

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Copy this code into any page. The calculator appears with the figures currently entered, sizes itself to fit, and a small credit line links back here. Free, no account, no ads inside it, no tracking of your readers. Set your own figures and fixed fields; Personal removes the credit line, sets your colour and shows you which sites use it.

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Frequently asked questions

How much is a monthly payment on a $100,000 RV?

On the figures this page opens with — vehicle price 35,000, cash down payment 5,000, annual interest rate 7.5% and loan term 5 years — the payment is 712.42. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.

What's the average interest rate on a camper loan?

It needs Vehicle price, Cash down payment, Trade-in value, Balance still owed on the trade-in, Sales tax rate and Trade-in reduces the taxable amount. Nothing else is required, and the figures stay in your browser.

Is it difficult to finance a camper?

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing. On the figures this page opens with — vehicle price 35,000, cash down payment 5,000 and annual interest rate 7.5% — the payment is 712.42. Put your own figures in their place and the working updates beside the result.

How do I calculate the monthly payment for an RV loan?

Works out a vehicle loan payment from the price, down payment, trade-in, sales tax and fees, and shows the full cost of the financing. Open “How this is worked out” beside the result to see each step for your own figures.

What information do I need for the camper finance calculator?

You need Vehicle price, Cash down payment, Trade-in value, Balance still owed on the trade-in, Sales tax rate, Trade-in reduces the taxable amount, Title, registration and dealer fees and Manufacturer rebate. The page opens with default figures that give payment of 712.42, so you can see the scale before entering your own.

What does this camper finance calculator show?

It shows Payment, Total interest, Total of payments, Number of payments, Payoff time, Rate per period, Interest per unit borrowed and Interest saved by extra payments, with the working and any warnings for your entries.

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