Cash back or low interest calculator

Compare a financed rebate offer with a different-rate offer over the same loan term.

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Vehicle price

Cash rebate in offer A

More inputs and assumptions

Offer A annual loan rate (%)

Offer B annual loan rate (%)

Loan months for both offers

Answer

…

Compare a financed rebate offer with a different-rate offer over the same loan term.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

The rebate reduces the financed price. Fixed rates and equal month-end payments; no down payment, sales tax, fees or different terms. Lower undiscounted total is reported, without predicting financing eligibility.

Automatic precision shows numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

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Updated 2026-09-26

Using Cash back or low interest calculator

Compare a financed rebate offer with a different-rate offer over the same loan term.

Next: Loan comparison calculator

A worked example

Example inputs: vehicle price = 20000, cash rebate in offer a = 2000, offer a annual loan rate (%) = 0, offer b annual loan rate (%) = 0, loan months for both offers = 60. Lower total vehicle outlay = 18000.

Before you use the result

Example results for vehicle price

These examples use Cash rebate in offer A: 2000; Offer A annual loan rate (%): 0; Offer B annual loan rate (%): 0; Loan months for both offers: 60. They are reference calculations, not recommended settings.

Vehicle price	Lower total vehicle outlay
10000	8000
20000	18000
40000	38000

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ToolOctopus. “Cash back or low interest calculator.” Updated 2026-09-26. https://tooloctopus.com/cash-back-or-low-interest-calculator.

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