Auto loan calculator
Car Payment Calculator
Estimate your monthly payment, total interest, and financed amount before you commit to a car loan.
Estimate payment
Adjust the numbers to estimate your monthly payment and total interest.
Estimated payment
$643 / mo
- Amount financed
- $32,450
- Sales tax
- $2,450
- Total interest
- $6,103
- Total loan payments
- $38,553
Cost breakdown
Principal financed$30,000
Sales tax$2,450
Interest$6,103
Compare loan offers before you buy. A lower APR can change the total cost more than a small discount on the sticker price.
How this calculator works
The calculator estimates your amount financed from the vehicle price, sales tax, down payment, and trade-in value. It then uses the standard amortized loan formula to estimate monthly payment and total interest across the loan term.
What affects your payment?
The biggest drivers are vehicle price, APR, loan term, down payment, and trade-in value. A longer term can lower the monthly payment, but it often increases the total interest paid.