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Auto Loan Calculator
Calculator
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Common U.S. terms
months
Manufacturer or dealer rebate
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Choose a state to unlock the U.S.-specific tax rules. Until then, the calculator uses a conservative approach and does not reduce taxable value for trade-ins or rebates.
Manual tax rate, state-aware tax treatment.
Live results
The calculator updates as you change the deal structure.
Payment view

Monthly Payment

$754.85

Vehicle price

$50,000.00

Total loan amount

$40,000.00

Sales tax

$3,250.00

Upfront payment

$16,050.00

Total of payments

$45,290.96

Loan interest

$5,290.96

Total cost

$61,340.96

  • Choose a state to unlock the U.S.-specific tax rules. Until then, the calculator uses a conservative approach and does not reduce taxable value for trade-ins or rebates.
Payment breakdown
Principal is the balance you pay down. Interest is financing cost. The chart shows each as a share of total payments.

Total paid

$45,290.96

Principal

$40,000.00 | 88.3% of payments

Interest

$5,290.96 | 11.7% of payments

Payoff trend
Annual balance, annual interest, and annual cash flow over the life of the loan.
Balance
Annual interest
Annual payments
Amortization schedule
Switch between full monthly detail and annual rollups.
MonthPaymentPrincipalInterestEnding balance
1$754.85$588.18$166.67$39,411.82
2$754.85$590.63$164.22$38,821.18
3$754.85$593.09$161.75$38,228.09
4$754.85$595.57$159.28$37,632.52
5$754.85$598.05$156.80$37,034.48
6$754.85$600.54$154.31$36,433.94
7$754.85$603.04$151.81$35,830.90
8$754.85$605.55$149.30$35,225.34
9$754.85$608.08$146.77$34,617.27
10$754.85$610.61$144.24$34,006.65
11$754.85$613.15$141.69$33,393.50
12$754.85$615.71$139.14$32,777.79
13$754.85$618.28$136.57$32,159.51
14$754.85$620.85$134.00$31,538.66
15$754.85$623.44$131.41$30,915.23
16$754.85$626.04$128.81$30,289.19
17$754.85$628.64$126.20$29,660.54
18$754.85$631.26$123.59$29,029.28
19$754.85$633.89$120.96$28,395.39
20$754.85$636.54$118.31$27,758.85
21$754.85$639.19$115.66$27,119.66
22$754.85$641.85$113.00$26,477.81
23$754.85$644.53$110.32$25,833.29
24$754.85$647.21$107.64$25,186.08
25$754.85$649.91$104.94$24,536.17
26$754.85$652.62$102.23$23,883.56
27$754.85$655.33$99.51$23,228.22
28$754.85$658.07$96.78$22,570.16
29$754.85$660.81$94.04$21,909.35
30$754.85$663.56$91.29$21,245.79
31$754.85$666.33$88.52$20,579.46
32$754.85$669.10$85.75$19,910.36
33$754.85$671.89$82.96$19,238.47
34$754.85$674.69$80.16$18,563.78
35$754.85$677.50$77.35$17,886.28
36$754.85$680.32$74.53$17,205.96
37$754.85$683.16$71.69$16,522.80
38$754.85$686.00$68.85$15,836.80
39$754.85$688.86$65.99$15,147.93
40$754.85$691.73$63.12$14,456.20
41$754.85$694.62$60.23$13,761.59
42$754.85$697.51$57.34$13,064.08
43$754.85$700.42$54.43$12,363.66
44$754.85$703.33$51.52$11,660.33
45$754.85$706.26$48.58$10,954.06
46$754.85$709.21$45.64$10,244.86
47$754.85$712.16$42.69$9,532.69
48$754.85$715.13$39.72$8,817.56
49$754.85$718.11$36.74$8,099.45
50$754.85$721.10$33.75$7,378.35
51$754.85$724.11$30.74$6,654.25
52$754.85$727.12$27.73$5,927.12
53$754.85$730.15$24.70$5,196.97
54$754.85$733.20$21.65$4,463.77
55$754.85$736.25$18.60$3,727.52
56$754.85$739.32$15.53$2,988.21
57$754.85$742.40$12.45$2,245.81
58$754.85$745.49$9.36$1,500.32
59$754.85$748.60$6.25$751.72
60$754.85$751.72$3.13$0.00
Tax treatment changes the real cost
Trade-ins and incentives are not taxed the same way in every state. This calculator adjusts those tax rules when you choose a U.S. state.
Negative equity travels with you
If you owe more on the trade-in than it is worth, the gap becomes part of the next deal and raises the financed amount.
Financing fees is a tradeoff
Rolling taxes and registration into the loan lowers cash due today, but it also means paying interest on those costs over time.
What the calculator is doing under the hood
The finance logic mirrors the important pieces from the reference calculator, but the experience is built to make each assumption visible.

Taxable amount

The state decides whether trade-ins and rebates reduce taxable value. The sales tax rate stays manual so you can match the actual quote you're seeing.

Reverse solver

In payment-to-price mode the calculator runs a numeric search instead of a shortcut formula, so the solved price still respects fees, taxes, equity, and APR.

Cash due today

Upfront payment includes the down payment and any taxes or fees paid at signing, minus the net value of your trade-in.

Schedule detail

The amortization table shows how interest shrinks over time and how much balance remains after each payment period.

FAQ
Quick answers to the questions most buyers usually have once they start adjusting the numbers.
What does the reverse mode actually solve?

It solves for the vehicle price that fits your target monthly payment after APR, taxes, fees, incentives, down payment, and trade-in math are all applied together.

Why does the state selector matter if I still type the tax rate?

The tax rate stays manual, but the state decides whether trade-ins and rebates reduce taxable value and whether the tool should force sales tax to zero.

Why is my upfront payment negative?

That usually means your trade-in equity is larger than your down payment plus any taxes and fees due at signing, so the dealer credit more than covers the upfront amount.

Does this include insurance or dealer add-ons?

Not automatically. Put any document fees, title costs, dealer packages, or other deal charges into the fees field if you want them reflected in the math.