Auto Loan Calculators
Auto Loan Calculator
Enter a vehicle price, down payment, trade-in, and rate and AutoLoanLab estimates your monthly car payment and the total cost of financing.
Monthly car payment estimate
Estimated payment, per month
$658.88
Financing breakdown
Estimate using fixed-rate amortization. Sales tax is applied to the vehicle price; trade-in tax credits vary by state and are not modeled. Not a financing offer or APR quote.
About this calculator
A free car-loan calculator that builds the amount financed from the vehicle price, your down payment, a trade-in, and sales tax, then amortizes it at a fixed rate to estimate the monthly payment. It also shows the sales tax, the amount financed, the total interest, and the total out-of-pocket cost across the loan. It runs entirely in your browser and is an estimate, not a financing offer or APR quote.
By variant
Questions
- How is the amount financed calculated?
- It is the vehicle price plus sales tax, minus your down payment and trade-in value. That balance is amortized at the rate and term you enter.
- How is sales tax handled?
- Sales tax is applied to the vehicle price and added to the amount financed. Trade-in tax credits vary by state and are not modeled, so a state that taxes only the price after trade-in will come out a little lower.
- Is it free and private?
- Yes. There is no account and nothing is uploaded — the figures you enter are calculated in your browser only.