Auto / loan planning

Car loan calculator

Estimate the financed amount, monthly payment, and interest for an auto loan. Add taxes to the vehicle price, then compare the result with your full transportation budget.

Results are estimates for planning. Review the assumptions and verify important decisions with the right official or qualified source.

step 1 / your inputs

Start with your numbers.

The gray example is only a guide. Replace it with your own number.

Vehicle price$Purchase price before taxes and fees. Example: 28000Down payment$Cash paid at purchase. Example: 4000Trade-in value$Estimated value applied to the purchase. Example: 0Sales tax rate%Local sales tax estimate; fees are not included. Example: 7Annual loan APR%Use the lender’s quoted APR. Example: 7.5Loan term monthsCommon term in months. Example: 60

step 2 / see your estimate

Your result updates as you type.

Estimated monthly payment

$0.00

$0 estimated amount financed

Estimated total of payments

1 monthly payments

Estimated loan interest

Fees, add-ons, and lender rules are not included

Calculated in your browser. No data is sent.

How to use this estimate

Budget for insurance, fuel, maintenance, registration, and repairs in addition to the loan payment.
A longer term can reduce the monthly payment but increase total interest and time in debt.
Review the buyer’s order and loan disclosures for taxes, fees, add-ons, and the final APR.

Common questions

Does this include sales tax?+

Yes. It applies the entered sales-tax rate to the vehicle price after the trade-in estimate. Dealer fees, registration, warranties, and add-ons are not included.

Should I choose the lowest monthly payment?+

Not by itself. Compare the APR, total of payments, loan term, vehicle cost, and your full transportation budget.

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