Car Payment Calculator
Calculate your monthly auto loan payment including tax, trade-in, and total cost of ownership.
Affordability Guide
Financial experts recommend keeping total car expenses at 10–15% of monthly take-home pay.
For educational purposes only — not financial advice.
How to use
- Enter the vehicle price (sticker price before tax).
- Add your down payment and any trade-in vehicle value.
- Enter your local sales tax rate — this is applied to the vehicle price.
- Choose your loan term and enter your APR from your lender.
- Click Calculate to see your monthly payment and total loan cost.
- Enter your monthly take-home pay to check if this payment fits your budget.
About this Car Payment
Use this free car payment calculator to estimate monthly auto loan payments, interest, and total cost based on vehicle price, down payment, rate, and loan term. No signup is required, and the tool works on phones, tablets, and desktop browsers.