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Auto Loan Calculator — Monthly Payment & Amortization

Before you negotiate anything, know what a given price actually costs you every month. Enter the numbers you're considering — price, down payment, trade-in, interest rate, and loan term — and get your real monthly payment, total interest over the life of the loan, and a year-by-year amortization schedule. No email, no signup, just the math.

  • Enter the auto price, your loan term in months, and the interest rate (APR) you expect or were quoted
  • Add any cash incentives, down payment, and trade-in details — leave them blank if they don't apply
  • Enter your state sales tax rate and any title/registration/dealer fees
  • Choose whether taxes and fees get paid upfront or rolled into the loan amount
  • Get your monthly payment, total loan amount, total interest, total cost, and a full annual amortization schedule instantly

Frequently Asked Questions

How accurate is this calculator?

It uses the standard auto loan amortization formula lenders use, so the math itself is exact for the numbers you enter. The estimate is only as good as those inputs — your actual APR, tax rate, and fees depend on your specific lender, dealer, and state.

Should taxes and fees be rolled into the loan or paid upfront?

Paying them upfront means a smaller loan and less interest paid over time. Rolling them in reduces what you need at signing but means you're paying interest on your taxes and fees for the life of the loan. Toggle the checkbox to compare both.

Why does my trade-in reduce the taxable amount?

Most states only charge sales tax on the difference between the new car's price and your trade-in's value — a real, common discount most buyers don't realize applies. A handful of states tax the full price regardless of trade-in, so check your state's rule if the estimate looks off.

What if I'm upside-down on my trade-in?

If you owe more on your current loan than the trade-in is worth, that negative equity gets added to your new loan amount instead of reducing it — enter the amount you owe and the calculator accounts for it automatically.

Does this tell me if the price itself is fair?

No — this calculator only tells you the payment for a given price, not whether that price is a good deal. For that, use the free Deal Checker or the $79 Vehicle Intelligence Report, which pulls real market comps for your exact car.