Vehicles
Model hire-purchase and lease payments, reverse-engineer the true rate from a quoted instalment, estimate import taxes from CIF, and see full monthly ownership costs.
Loan vs lease in Sri Lanka
A vehicle loan typically leads to ownership at the end of the term. Leasing may offer lower monthly payments with a residual or buy-out at the end. Run the same vehicle price through both calculators to compare cash flow.
Check the real interest rate
Dealers and banks sometimes quote flat or headline rates that look lower than the reducing-balance equivalent. Enter instalment, amount financed, and months in the Real Interest Calculator to see the nominal annual rate implied by standard amortisation.
Vehicle Loan Calculator
Calculate loan amount and monthly installment based on vehicle price, down payment, interest rate, and duration
Vehicle Lease Calculator
Calculate monthly lease installment based on vehicle price, residual value, down payment, interest rate, and duration
Vehicle Cost Of Ownership
Estimate total monthly and yearly vehicle ownership costs including purchase, fuel, insurance, and maintenance
Real Interest Calculator
Find the true annual interest rate implied by lease amount, term, and monthly instalment — compare to advertised rates
Vehicle Import Tax Calculator
Estimate CIF, customs, PAL, excise, luxury tax, and VAT for imports using your CIF in USD or JPY and your LKR rate