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Auto Loan Calculator

Project car payments after down payment, trade-in, tax, and fees — then see total interest over the term.

Vehicle & loan

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$
%
$
$
%

Monthly payment

$585.03/mo

Tax calculated on price minus trade-in; tax rules vary by jurisdiction.

Monthly payment

$585.03

60 payments · Loan $29,900

How it works

An auto loan payment depends on more than the sticker price. Down payment, trade-in equity, sales tax, and fees change the amount you actually finance.

Enter the vehicle price, down payment, trade-in, tax, and fees, plus rate and term. The calculator builds a net amount financed, then estimates the fixed monthly payment and total interest over the loan.

A larger down payment or stronger trade-in lowers principal and usually lowers both payment and interest. Stretching the term can drop the payment while increasing total interest—common in long auto loans.

Tax rules vary by location (for example tax on the full price vs after trade-in). Use numbers from your dealer worksheet or local rules so the financed amount is realistic.

After you have a payment estimate, stress-test early payoff with the Pay Off Calculator if you plan to add extra principal later.

Frequently asked questions

Should tax be included in the loan amount?
If you finance tax and fees, include them in the amount financed. If you pay them in cash at signing, leave them out of the loan principal.
How does a trade-in affect the payment?
Trade-in value (minus any amount still owed on the old car) reduces what you need to borrow. Negative equity can increase the financed amount instead.
Is a longer auto loan a good idea?
Longer terms lower monthly payments but often mean more interest and a higher chance of owing more than the car is worth. Compare total interest, not only the payment.
Does this include extended warranties?
Only if you add those products into fees or price. Optional add-ons financed into the loan raise principal and payment.

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