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Auto Loan Calculator
Calculator
Inputs stay focused on the deal. Method details live in the info controls.
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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.
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

How to Calculate an Auto Loan

Vehicle Price
Start with the negotiated price before taxes, fees, rebates, down payment, and trade-in value.
Taxes and Fees
Sales tax, title, registration, and dealer fees can be paid upfront or financed into the loan.
Trade-In Equity
Positive equity lowers the deal cost, while negative equity can roll into the new loan.

How to Evaluate a Car Payment

A car payment is only one part of the deal. A better auto loan estimate shows the financed amount, taxes, upfront cash, interest, and total cost so you can compare offers with fewer surprises.

What Factors Affect an Auto Loan?

Price and Rebates

The negotiated price and incentives set the base before taxes and financing.

APR

APR has a larger impact as loan term and financed amount increase.

Loan Term

Long terms reduce payment but can leave you owing more for longer.

Trade-In Payoff

Negative equity increases the new loan balance and total interest.

State Tax Rules

Trade-in and rebate treatment varies by state and changes taxable value.

Upfront vs Financed Fees

Financing fees lowers cash due today but adds interest on those costs.

Ways to Use the Auto Loan Calculator

Payment Mode

Enter a vehicle price to estimate payment and total loan cost.

Price Solver

Enter a target payment to estimate the vehicle price that fits the budget.

Amortization Review

Use the payoff schedule to see how much interest is paid over time.

Frequently Asked Questions

Should I focus on monthly payment or total cost?

Use both. Monthly payment tells you affordability, while total cost shows what the deal actually costs after interest, taxes, and fees.

What happens if I owe more than my trade-in is worth?

That negative equity can be added to the new loan, increasing the amount financed and the interest paid.

Should I finance taxes and fees?

It lowers cash due at signing, but you may pay interest on those costs. Paying them upfront can reduce total loan cost.

Why do state tax rules matter?

Some states reduce taxable value for trade-ins or rebates, while others do not. That changes sales tax on the deal.

Can this calculator replace a dealer quote?

No. Use it to check the math and compare scenarios, then confirm final taxes, fees, APR, and lender terms in the contract.