Car Finance Calculator Pakistan
Planning to finance a car in Pakistan? Estimate your monthly installment, total markup and overall cost. Enter the vehicle price, your down payment, the bank's markup rate and the tenure to check affordability before you apply.
← Part of Vehicle Calculators Pakistan
Last updated: 1 July 2025
Loan amount: PKR 3,000,000
Annual markup / profit rate offered by your bank.
One-off fee as a % of the loan amount.
Your installment
Your inputs are calculated in your browser and are not stored by CalcuPK.
Total cost breakdown
| Cost | Amount |
|---|---|
| Loan (principal) | PKR 3,000,000 |
| Total markup | PKR 1,570,817 |
| Processing fee | PKR 30,000 |
| Total cost | PKR 4,600,817 |
Formula & how it works
This calculator uses the standard EMI formula:
EMI = P × r × (1+r)n ÷ ((1+r)n − 1)
- P = financed amount (price − down payment)
- r = annual markup ÷ 12 (monthly rate)
- n = tenure in months
Example calculations
Example: a PKR 4,000,000 car with PKR 1,000,000 down financed over 5 years at the prevailing markup gives a monthly installment in the calculator above, plus the total markup you'll pay over the term. Adjust the down payment and tenure to see the trade-off.
Auto Loan / Car Installment in Pakistan
Check affordability before visiting the bank. Remember to budget for registration, token tax and insurance on top of the installment — see the car registration tax calculator and the Vehicle Calculators Pakistan hub.