Auto Loan Calculator
Calculate car loan payments with tax, fees, trade-in and down payment. Compare auto loan offers side by side
Vehicle & Loan Details
Quick examples
Typical Auto Loan Rates
Calculation Results
Loan Summary
Financing Breakdown
Payment Schedule Preview
| Payment # | Payment | Principal | Interest | Balance |
|---|
How we calculated this
Payment Breakdown
What if?
Each row recalculates with your current inputs. Tap a row to apply it.
Compare two plans
Enter vehicle and loan details to calculate
Fill in the vehicle price, APR and term above
Auto Loan Calculator FAQ
How is a car payment calculated?
The lender amortizes the amount you finance over the term using the standard installment formula. Each month you pay interest on the remaining balance plus a slice of principal, so the balance reaches zero exactly at the end of the term.
Should taxes and fees be included in the loan?
Rolling sales tax, title and registration into the loan is convenient but you pay interest on them for years. Uncheck the box to compare paying them upfront — the calculator shows the interest difference instantly.
How does a bigger down payment help?
Every dollar you put down reduces the amount financed, which lowers the monthly payment and the total interest. Use the What-if table to see how +$1,000 or +$2,500 down changes your payment.
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