JOEY is the personal AI sales system for the individual car salesperson. It keeps every lead warm, replies in your voice, and runs your outreach, calls, texts, emails, follow-up, and compliance in one place.

JOEY is for the individual car salesperson who wants to be the top performer at their dealership, not for the dealership itself.

Does JOEY work with my CRM?

Yes. JOEY works alongside the CRMs dealerships already use, including Tekion and DriveCentric, with no rip and replace.

Is JOEY TCPA compliant?

Yes. JOEY respects TCPA quiet hours and honors opt-outs automatically across every channel.

Deal Math

Interest Cost Breakdown

What does the Interest Cost Breakdown do?

See the total interest on a loan and how the first payment splits between principal and interest. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Try it now

See what the interest really costs.

Enter the amount financed, APR, and term. See the total interest paid over the life of the loan and how the first payment splits between principal and interest.

Amount financed

Loan after down and trade

APR

Annual interest rate

Term

Length of the loan in months

Total interest over 60 months

$5,664

That is 20.2% of the $28,000 financed. Total paid over the life of the loan is $33,664 at a monthly payment of $561.

First payment split

Principal $386Interest $175

Uses standard loan amortization. Actual terms, fees, and rounding from a lender may differ slightly. This is a guide, not a financing offer.

How to use it

Enter your numbers or details in the tool above.
Read the result instantly, no signup and nothing to install.
Use it live with your customer to build trust and move the deal.

Common questions

What is the Interest Cost Breakdown?

See the total interest on a loan and how the first payment splits between principal and interest. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the Interest Cost Breakdown free?

Yes. The Interest Cost Breakdown is free to use with no signup. JOEY also offers a full personal sales assistant if you want it to work your follow-up for you.

Who is the Interest Cost Breakdown for?

It is built for the car salesperson who wants an edge, not for a corporate rollout. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Related tools

Title & Registration Fee Estimator Add up title, registration, plate, doc, and other gov fees and see them as a share of the vehicle price
Biweekly Payoff Savings See how much sooner a loan pays off, and how much interest you save, paying half the payment every two weeks
Out-The-Door Builder Build a clean, transparent out the door price the customer trusts
Payment Calculator Turn price, rate, and term into a clean monthly number

Want JOEY to do the work for you?

These free tools are a taste. JOEY is a personal sales assistant that works your follow-up, texts, emails, and call prep so you sell more every day.

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