Auto Loan Calculator
Calculate car loan payments including down payment, trade-in, sales tax, and documentation fees.
Result
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Enter vehicle price, down payment, rate, and term, then click Calculate.
Net trade equals trade-in value minus amount owed. Sales tax may be financed or paid upfront.
Negotiated price before tax.
Cash down and trade equity reduce amount financed.
APR and term in months (36–84 common).
Monthly payment, total interest, and amortization.
$35,000 price, $5,000 down, 7% tax financed, 6.9% for 60 months.
Longer terms lower payment but increase total interest.
Ignoring sales tax in payment
Fix: Most buyers finance tax — include it in amount financed.
72-month term without checking total cost
Fix: Longer terms cost more interest overall.
Calculate car loan payments including down payment, trade-in, sales tax, and documentation fees.
Result
—
Enter vehicle price, down payment, rate, and term, then click Calculate.