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Auto Loan Calculator

Estimate a car payment with a down payment, trade-in, financed fees and entered tax.

Your numbers

Make it your own
Updates as you type
Monthly auto payment
$483.32

USD · rounded to the nearest cent

Financed amount$25,000.00
Entered sales tax$0.00
Total interest$3,999.20
Down payment + loan payments$33,999.20

User-selected tax basis; no jurisdiction lookup. Fees and trade debt are financed. Insurance, running costs and any unentered charges are excluded.

Your calculation, step by step

No black boxes
  1. Taxable price = 30,000 USD; entered tax = 0 USD.
  2. Principal = price + tax + financed fees + trade debt − down payment − trade value = 25,000 USD.
  3. Amortize at 6% for 60 months: 483.320038 USD/month.

What if things were different?

Save up to three scenarios, then change your inputs to compare the possibilities.

How to use this calculator

  1. Enter your own values in the labeled fields. Check the units and assumptions before comparing results. Only the fields needed for your selected calculation mode are shown.
  2. Your answer updates automatically. Review the calculation steps to see exactly how it was calculated.
  3. Copy, share, save, or download your result. Saved inputs stay on this device.

How the calculation works

Principal = price + entered tax + fees + trade debt − down payment − trade value

Select the tax-base assumption appropriate to your scenario; the calculator does not identify local rules. Outstanding debt on a traded vehicle is added to financing, while its full trade value is deducted. All entered fees are financed. The amortization assumes equal monthly payments and a fixed rate.

A worked example

A $30,000 car with a $6,000 down payment, no tax or fees and 0% interest over 48 months requires $24,000 ÷ 48 = $500 per month.

Reading your result

Use the main result together with its units and supporting figures. Display values are rounded; calculations keep their underlying precision. A change in inputs or assumptions can change the answer. Compare the step-by-step working with your intended use before relying on an estimate.

Frequently asked questions

Is trade-in debt already deducted from trade-in value?

Enter full trade value and outstanding debt separately to avoid double counting.

Does this include insurance?

No. Insurance and running costs are separate.

Sources & methodology

This calculator uses the mathematical identity and assumptions stated above. No current rates, prices, or external data are loaded. Conversion tools use international unit definitions.

Formula review: October 24, 2026. Read our methodology.