Auto Loan Calculator

Find your monthly car payment, total interest and total cost, including sales tax, down payment and trade-in.

How this calculator works

Sales tax is applied to the price minus your trade-in. The loan amount is price plus tax minus down payment and trade-in, paid off with the standard fixed-rate formula.

Frequently asked questions

What is a good auto loan term?

Many buyers choose 48 to 60 months. Longer terms lower the payment but add interest.

Figures use 2026 US federal tax parameters. Results are estimates only.