🚗 Car Loan Calculator
Calculate your monthly car payments including sales tax, registration fees, and trade-in value. See total cost with amortization schedule.
How to Use This Car Loan CalculatorFree & Accurate
Calculate your monthly car payments, estimate total cost including taxes and fees, and explore trade-in options with our comprehensive car loan calculator. Perfect for new car purchases, used cars, and dealer financing.
Enter Vehicle Details
- • Vehicle Price - Negotiated car price
- • Down Payment - Cash upfront
- • Trade-In Value - Your old car value
- • Trade-In Owed - Remaining balance
Add Fees & Taxes
- • Sales Tax - State tax rate
- • Registration Fees - DMV costs
- • Dealer Fees - Processing fee
- • Fee Capitalization - Roll into loan
Set Loan Terms
- • Interest Rate - APR from dealer
- • Loan Term - Years to pay
- • Payment Mode - Monthly/Bi-Weekly
- • Extra Payment - Pay more monthly
Review Results
- • Monthly Payment - Your obligation
- • Total Interest - Finance cost
- • Upfront Cash - Due at signing
- • Payoff Date - When debt-free
Pro Tip: Trading in your car can reduce your taxable amount and lower your sales tax. Our calculator automatically applies the trade-in tax shield to show you the real savings!
Why Use Our Car Loan Calculator? Our free car loan calculator helps you estimate your monthly car payments, including sales tax, registration fees, and dealer documentation fees. Whether you're buying new or used, our tool provides accurate calculations with detailed amortization schedules. Compare different loan terms, interest rates, and trade-in options to make informed financial decisions.
● Basic Inputs
If "Roll Fees into Loan", taxes and fees are funded by the bank (increases loan principal). If "Pay Fees Upfront", fees must be paid out-of-pocket.
Accelerated Bi-Weekly splits the monthly payment in half and applies it every 2 weeks (26 half-payments = 13 full monthly payments per year)
💡 All calculations are estimates. Rates vary by lender and location. Please verify with official sources for accurate numbers.
Enter values to see results
Results update automatically