Auto Loan Calculator
Calculate monthly car payments with trade-in value, down payment, sales tax, and fees. Compare loan terms and see total interest paid.
Results
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Monthly Payment
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Loan Amount
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Sales Tax
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Total Interest
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Total Cost
Amortization Summary
| Period | Principal Paid | Interest Paid | Balance |
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Frequently Asked Questions
How is a car payment calculated?▾
Monthly payment is based on loan amount (price minus down payment and trade-in, plus tax and fees), interest rate, and loan term using the standard amortization formula.
What is a good auto loan rate?▾
Average 2026 rates: 5-7% for new cars, 7-10% for used cars with good credit. Rates depend on credit score, term, and vehicle age.
Longer or shorter loan term?▾
Shorter terms (36-48 months) cost less total interest. Longer terms (60-72 months) lower monthly payments but cost thousands more overall.
Is my data stored?▾
No. All calculations happen in your browser.