Auto Loan Calculator

Estimate monthly car payments with taxes, fees, incentives, trade-in, and down payment.

Auto price ($)

Loan term (months)

Interest rate (APR %)

Cash incentives ($)

Down payment ($)

Trade-in value ($)

Amount owed on trade-in ($)

Sales tax (%)

Title/registration/other fees ($)

Include taxes and fees in loan

Results

Monthly payment

—

Total cost (price + interest + tax + fees)

—

Total loan amount

—

Total loan interest

—

Sales tax

—

Total of loan payments

—

What this calculator does

This calculator estimates your monthly auto loan payment based on price, rate, term, trade-in, incentives, taxes, and fees.

How the calculation works

The loan amount is built from the vehicle price minus incentives, down payment, and trade-in value, plus any negative equity, taxes, and fees (if financed). Monthly payment uses standard amortization with your APR.

Upfront vs. financed costs

If you choose not to finance taxes and fees, they’re added to upfront costs instead. Results also show total interest, total payments, and overall cost.