Auto Loan Calculator
Estimate loan amount, monthly payment, total interest, and total cost for a car purchase.
This page is an editable estimator with realistic defaults so you can model your own situation in minutes.
Financed amount equals vehicle price minus down payment and trade-in, plus tax and fees.
Payment uses a fixed-rate amortizing loan formula.
| Taxable amount | $35,000 | |
|---|---|---|
| Sales tax | $2,450.00 | |
| Fees | $1,200 |
| Period | Balance | Interest |
|---|---|---|
| 12 | $28,652.16 | $2,235.49 |
| 24 | $22,220.73 | $4,037.40 |
| 36 | $15,324.37 | $5,374.38 |
| 48 | $7,929.47 | $6,212.83 |
| 60 | $0.00 | $6,516.69 |
Assumptions
- Sales tax treatment varies by state and dealer paperwork.
- Projection table shows annual loan snapshots.
How this calculator works
Formula used
Financed amount equals vehicle price minus down payment and trade-in, plus tax and fees. Payment uses a fixed-rate amortizing loan formula.
Example calculation
Plug in your own numbers and the result updates instantly. Financed amount equals vehicle price minus down payment and trade-in, plus tax and fees. Payment uses a fixed-rate amortizing loan formula.
Auto Loan Calculator FAQ
Is this auto loan calculator exact?
No. It is a U.S.-focused estimate for planning. Actual auto loan calculator can change with lender terms, taxes, fees, fuel prices, driving conditions, maintenance, and local rules.
What should I enter into the auto loan calculator?
Use current quotes, realistic monthly costs, current gas or electricity prices, and your actual driving habits when possible.
Is this financial or automotive advice?
No. Results are educational only and are not financial, tax, legal, automotive, or lending advice.