Auto Loan Calculator

Calculate your auto loan

Vehicle Price ($)

Down Payment ($)

APR (%)

Loan Term (Years)

Trade‑In Value ($)

Trade‑In Payoff ($)

Sales Tax Rate (%)

Doc/DMV Fees ($)

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Add this calculator to your website with just a few lines of code.

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Auto Loan Calculator

Calculate your monthly payment, total interest, and see a full cost breakdown.

How do I calculate a monthly car payment with trade-in, taxes, and fees?

Enter price, rate, and term, then add trade-in value/payoff, your state tax rate, and any doc/DMV fees. We net your trade-in equity, apply sales tax, and include fees to estimate the amount financed—then compute the monthly payment and total interest.

Key Features:

Instant Results: Get immediate payment estimates
Total Cost Analysis: See total interest and loan cost
Multiple Scenarios: Compare different down payments and terms
Market Rates: Coming Soon

What do the results mean?

We show your estimated monthly payment, total interest, total of payments, and a breakdown for sales tax and fees so you can reconcile with dealer worksheets.

Monthly Payment: Your estimated monthly loan payment
Total Interest: How much you'll pay in interest over the life of the loan
Total Cost: Your total cost including the vehicle price and all interest
Loan Amount: The amount you're financing (price minus down payment)

How can I lower my car payment or total interest?

Larger Down Payment: Reduces the amount financed and total interest
Shorter Term: Lowers total interest even if the payment rises
Shop APR: Compare quotes from credit unions, banks, and online lenders
Boost Credit: Lower utilization and fix errors before applying
Consider CPO: Lower price with warranty support

Related Tools

Auto Refinance Calculator — See payment and interest savings vs your current loan.
Car Affordability Calculator — Convert income and expenses into a smart budget.
Trade‑In Value — Estimate equity to apply toward your next purchase.
Buy vs Lease Break‑Even — See which path is cheaper for your miles and timeline.
Lease vs Buy Guide — Compare total out‑of‑pocket over your timeline.

Use Cases

First‑Time Buyer — Set a budget and avoid common mistakes.
Lower My Payment — Map options to reduce your monthly cost.
Trade‑In Equity — Decide between trading and selling private party.