Updated August 18, 2025
Negative Equity Calculator
Calculate how rolling negative equity into a new loan affects your monthly payment and total cost. Make informed decisions about your next vehicle purchase.
Current Vehicle Situation
Enter your current loan payoff and trade-in value
Equity Analysis
Loan Payoff Amount$28,000.00
Trade-In Value$22,000.00
Negative Equity-$6,000.00
You have negative equity
You owe $6,000.00 more than your car is worth
New Vehicle Details
Enter your new vehicle and loan information
New Loan Impact
Monthly Payment (with roll-in)
$676.43
Without negative equity$575.57
Roll-in impact+$100.86
Total Loan Amount$40,240.00
Roll-In Impact Analysis
Rolling in $6,000.00
Rolling your negative equity into the new loan will increase your monthly payment by $100.86and cost an additional $7,262 in interest over the loan term.
Monthly Increase
+$100.86
Per month
Extra Interest
$7,262
Over loan term
New Loan Amount
$40,240
Including roll-in
✅ Alternatives to Consider:
- • Pay off negative equity separately if possible
- • Wait longer to build positive equity
- • Consider a less expensive vehicle
- • Increase your down payment to offset roll-in
- • Look for manufacturer incentives or rebates
⚠️ If You Must Roll It In:
- • Choose a vehicle that holds its value well
- • Make a larger down payment if possible
- • Consider a shorter loan term
- • Make extra principal payments early
- • Avoid extended warranties or add-ons