Auto Loan Calculator
100% in your browser — nothing is uploadedSales tax is applied to price minus trade-in (most states) and rolled into the amount financed.
Monthly payment
$676.95
for 60 months
The sticker price is only the start of what a car loan really costs. Sales tax is usually financed on top of the price, a trade-in reduces the amount you borrow, and the loan term quietly controls how much interest you pay in total. This calculator folds all of that into one honest monthly number.
Watch the total-interest figure as you stretch the term: an 84-month loan can look affordable per month while costing thousands more than a 48-month loan on the same car. Lenders advertise the payment; this page shows the price.
How to use the auto loan calculator
- Enter the vehicle price and your local sales tax rate.
- Add your down payment and any trade-in value.
- Set the interest rate (APR) and the loan term in months.
- Compare the monthly payment with the total interest paid before you commit.
Frequently asked questions
Is sales tax included in the loan?
In most U.S. states, sales tax applies to the vehicle price (often after the trade-in credit, depending on the state) and is rolled into the financed amount. This calculator taxes the price minus trade-in, the most common treatment — check your state's rule if precision matters.
What's a good auto loan term?
36–60 months is the conventional sweet spot. Beyond 72 months you'll often be 'underwater' (owing more than the car is worth) for years, because cars depreciate faster than long loans amortize.
Does a trade-in lower my taxes?
In most states yes — tax is charged on the price after subtracting trade-in value, which is how this calculator works. A few states (e.g., California) tax the full price. The difference can be several hundred dollars.
Is anything uploaded?
No — the math runs entirely in your browser and your numbers never leave your device.