which site has the best, most accurate auto loan calculator

The bank is financing my wife for 9606.00 at an interest rate of 7.5%. The Term is for 5 yrs (60 months) What should the monthly payments be? I used to be able to do this, but I think I'm missing something. Here is how I did my math: I took $9606.00 and multiplied it times 7.5% and came up with $720.45. Then I added that $720.45 to the $9606.00 and came up with a total of $10,326.45. I then divided the $10,326.45 by 60 (months) and came up with a total of $172.10. Meaning that $172.10 would be my monthly payment. I went to bankrate.com and used their auto loan calculator and they came up with $192.48 The bank came up with $205.00 (I think they added credit, life, and disability) So what the HECK am I missing......Please help!

Any one know where to get one. http://www.insightempire.com/Autoloanquick/

According to an auto loan amortization calculator I should have had $126.00 towards interest for the 1st payment. My interest rate is 8.59%. Why so low for the 1st payment? Are they using a different amortization schedule?