Auto loan calculator

Estimate car payments with a down payment, trade-in, taxes, fees and a full amortization schedule.

Your car purchase

Start with the agreed price or an all-in quote. Replace the example values with the figures from your US dealer quote, in dollars.

For an all-in quote, separate taxes and fees are ignored to avoid counting them twice.

Enter the lender’s payoff quote, not just the balance on your last statement.

Use the loan interest rate. APR can include fees and is not the same input.

Taxes, fees and extra payments

The rate applies to the vehicle price, optionally less the trade-in. Use an exact amount for taxable fees, caps or other local rules.

Use only if your local rules allow it. State tax rates and eligibility are not selected automatically.

Fixed-rate estimate with monthly interest and end-of-period payments. Daily interest, lender fees and payment dates can change a real quote.

Base monthly payment

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Amount financed

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Total interest

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Total loan payments

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Total

Purchase price including taxes and fees
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Tax added
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Fees added
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Net trade-in equity
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Cash paid at signing
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Purchase price plus interest
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Net cash paid over the whole transaction
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Where the purchase cost goes

  • Vehicle—
  • Tax—
  • Fees—
  • Interest—

Loan balance and cumulative payments

  • Remaining balance
  • Principal repaid
  • Cumulative interest
  • Cumulative payments

On a narrow screen, scroll the chart horizontally to read the axes and the full time range.

Principal and interest by year

  • Principal repaid
  • Interest paid
  • Year-end balance

On a narrow screen, scroll the chart horizontally to read the axes and the full time range.

Amortization schedule

Amortization schedule