Auto Loan Calculator
Estimate your car payment, total interest, and payoff date with optional trade-in, fees, and sales tax. An auto loan calculator estimates your monthly payment and total cost based on a loan amount, APR, and term. You can optionally include trade-in value, an existing trade-in payoff, fees, and sales tax to estimate an “out-the-door” financed amount.
Inputs
$
$
%
$
Advanced (trade-in, tax, fees)
$
$
%
$
Summary
Amount financed$27,000.00
Monthly payment$528.29
Total interest$4,697.16
Total paid$31,697.16
Payoff dateDec 15, 2030
Includes optional sales tax ($0.00) and fees ($0.00) when provided.
Assumes a fixed rate for the full term.
Amortization schedule
| # | Date | Payment | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Jan 2026 | $528.29 | $382.04 | $146.25 | $26,617.96 |
| 2 | Feb 2026 | $528.29 | $384.11 | $144.18 | $26,233.86 |
| 3 | Mar 2026 | $528.29 | $386.19 | $142.10 | $25,847.67 |
| 4 | Apr 2026 | $528.29 | $388.28 | $140.01 | $25,459.39 |
| 5 | May 2026 | $528.29 | $390.38 | $137.91 | $25,069.01 |
| 6 | Jun 2026 | $528.29 | $392.50 | $135.79 | $24,676.52 |
| 7 | Jul 2026 | $528.29 | $394.62 | $133.66 | $24,281.90 |
| 8 | Aug 2026 | $528.29 | $396.76 | $131.53 | $23,885.14 |
| 9 | Sep 2026 | $528.29 | $398.91 | $129.38 | $23,486.23 |
| 10 | Oct 2026 | $528.29 | $401.07 | $127.22 | $23,085.16 |
| 11 | Nov 2026 | $528.29 | $403.24 | $125.04 | $22,681.92 |
| 12 | Dec 2026 | $528.29 | $405.43 | $122.86 | $22,276.49 |
| 13 | Jan 2027 | $528.29 | $407.62 | $120.66 | $21,868.87 |
| 14 | Feb 2027 | $528.29 | $409.83 | $118.46 | $21,459.04 |
| 15 | Mar 2027 | $528.29 | $412.05 | $116.24 | $21,046.99 |
| 16 | Apr 2027 | $528.29 | $414.28 | $114.00 | $20,632.71 |
| 17 | May 2027 | $528.29 | $416.53 | $111.76 | $20,216.19 |
| 18 | Jun 2027 | $528.29 | $418.78 | $109.50 | $19,797.40 |
| 19 | Jul 2027 | $528.29 | $421.05 | $107.24 | $19,376.35 |
| 20 | Aug 2027 | $528.29 | $423.33 | $104.96 | $18,953.02 |
| 21 | Sep 2027 | $528.29 | $425.62 | $102.66 | $18,527.40 |
| 22 | Oct 2027 | $528.29 | $427.93 | $100.36 | $18,099.47 |
| 23 | Nov 2027 | $528.29 | $430.25 | $98.04 | $17,669.22 |
| 24 | Dec 2027 | $528.29 | $432.58 | $95.71 | $17,236.65 |
Show full schedule (60 rows)
| # | Date | Payment | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Jan 2026 | $528.29 | $382.04 | $146.25 | $26,617.96 |
| 2 | Feb 2026 | $528.29 | $384.11 | $144.18 | $26,233.86 |
| 3 | Mar 2026 | $528.29 | $386.19 | $142.10 | $25,847.67 |
| 4 | Apr 2026 | $528.29 | $388.28 | $140.01 | $25,459.39 |
| 5 | May 2026 | $528.29 | $390.38 | $137.91 | $25,069.01 |
| 6 | Jun 2026 | $528.29 | $392.50 | $135.79 | $24,676.52 |
| 7 | Jul 2026 | $528.29 | $394.62 | $133.66 | $24,281.90 |
| 8 | Aug 2026 | $528.29 | $396.76 | $131.53 | $23,885.14 |
| 9 | Sep 2026 | $528.29 | $398.91 | $129.38 | $23,486.23 |
| 10 | Oct 2026 | $528.29 | $401.07 | $127.22 | $23,085.16 |
| 11 | Nov 2026 | $528.29 | $403.24 | $125.04 | $22,681.92 |
| 12 | Dec 2026 | $528.29 | $405.43 | $122.86 | $22,276.49 |
| 13 | Jan 2027 | $528.29 | $407.62 | $120.66 | $21,868.87 |
| 14 | Feb 2027 | $528.29 | $409.83 | $118.46 | $21,459.04 |
| 15 | Mar 2027 | $528.29 | $412.05 | $116.24 | $21,046.99 |
| 16 | Apr 2027 | $528.29 | $414.28 | $114.00 | $20,632.71 |
| 17 | May 2027 | $528.29 | $416.53 | $111.76 | $20,216.19 |
| 18 | Jun 2027 | $528.29 | $418.78 | $109.50 | $19,797.40 |
| 19 | Jul 2027 | $528.29 | $421.05 | $107.24 | $19,376.35 |
| 20 | Aug 2027 | $528.29 | $423.33 | $104.96 | $18,953.02 |
| 21 | Sep 2027 | $528.29 | $425.62 | $102.66 | $18,527.40 |
| 22 | Oct 2027 | $528.29 | $427.93 | $100.36 | $18,099.47 |
| 23 | Nov 2027 | $528.29 | $430.25 | $98.04 | $17,669.22 |
| 24 | Dec 2027 | $528.29 | $432.58 | $95.71 | $17,236.65 |
| 25 | Jan 2028 | $528.29 | $434.92 | $93.37 | $16,801.72 |
| 26 | Feb 2028 | $528.29 | $437.28 | $91.01 | $16,364.45 |
| 27 | Mar 2028 | $528.29 | $439.65 | $88.64 | $15,924.80 |
| 28 | Apr 2028 | $528.29 | $442.03 | $86.26 | $15,482.78 |
| 29 | May 2028 | $528.29 | $444.42 | $83.87 | $15,038.36 |
| 30 | Jun 2028 | $528.29 | $446.83 | $81.46 | $14,591.53 |
| 31 | Jul 2028 | $528.29 | $449.25 | $79.04 | $14,142.28 |
| 32 | Aug 2028 | $528.29 | $451.68 | $76.60 | $13,690.60 |
| 33 | Sep 2028 | $528.29 | $454.13 | $74.16 | $13,236.47 |
| 34 | Oct 2028 | $528.29 | $456.59 | $71.70 | $12,779.88 |
| 35 | Nov 2028 | $528.29 | $459.06 | $69.22 | $12,320.82 |
| 36 | Dec 2028 | $528.29 | $461.55 | $66.74 | $11,859.27 |
| 37 | Jan 2029 | $528.29 | $464.05 | $64.24 | $11,395.22 |
| 38 | Feb 2029 | $528.29 | $466.56 | $61.72 | $10,928.66 |
| 39 | Mar 2029 | $528.29 | $469.09 | $59.20 | $10,459.57 |
| 40 | Apr 2029 | $528.29 | $471.63 | $56.66 | $9,987.94 |
| 41 | May 2029 | $528.29 | $474.18 | $54.10 | $9,513.76 |
| 42 | Jun 2029 | $528.29 | $476.75 | $51.53 | $9,037.00 |
| 43 | Jul 2029 | $528.29 | $479.34 | $48.95 | $8,557.67 |
| 44 | Aug 2029 | $528.29 | $481.93 | $46.35 | $8,075.73 |
| 45 | Sep 2029 | $528.29 | $484.54 | $43.74 | $7,591.19 |
| 46 | Oct 2029 | $528.29 | $487.17 | $41.12 | $7,104.03 |
| 47 | Nov 2029 | $528.29 | $489.81 | $38.48 | $6,614.22 |
| 48 | Dec 2029 | $528.29 | $492.46 | $35.83 | $6,121.76 |
| 49 | Jan 2030 | $528.29 | $495.13 | $33.16 | $5,626.63 |
| 50 | Feb 2030 | $528.29 | $497.81 | $30.48 | $5,128.83 |
| 51 | Mar 2030 | $528.29 | $500.50 | $27.78 | $4,628.32 |
| 52 | Apr 2030 | $528.29 | $503.22 | $25.07 | $4,125.10 |
| 53 | May 2030 | $528.29 | $505.94 | $22.34 | $3,619.16 |
| 54 | Jun 2030 | $528.29 | $508.68 | $19.60 | $3,110.48 |
| 55 | Jul 2030 | $528.29 | $511.44 | $16.85 | $2,599.04 |
| 56 | Aug 2030 | $528.29 | $514.21 | $14.08 | $2,084.84 |
| 57 | Sep 2030 | $528.29 | $516.99 | $11.29 | $1,567.84 |
| 58 | Oct 2030 | $528.29 | $519.79 | $8.49 | $1,048.05 |
| 59 | Nov 2030 | $528.29 | $522.61 | $5.68 | $525.44 |
| 60 | Dec 2030 | $528.29 | $525.44 | $2.85 | $0.00 |
How to use it
- Enter vehicle price, down payment, APR, and term (months).
- Optionally enter trade-in value and any amount owed on the trade-in.
- Optionally include sales tax rate and fees to estimate the financed principal.
- Review the monthly payment, total interest, and amortization schedule.
Key formulas
- Monthly payment (amortized loan)
- Payment = P × r × (1 + r)^n / ((1 + r)^n − 1), where r = APR/12 and n = months
FAQ
Amount financed (principal) is the price plus taxes/fees minus down payment and trade-in credit, plus any negative equity if you owe more than the trade-in is worth.
Rules vary by state and locality. Some places tax the full price; others tax the price minus trade-in value. Use this tool for planning and confirm with your dealer and local rules.
Extra principal payments can reduce total interest and shorten the loan term. If available, compare scenarios by adding an extra monthly payment.
Quotes can include lender fees, exact first payment timing, rounding, and dealer-specific costs. Treat this calculator as an estimate.
Longer terms usually lower the payment but increase total interest and can keep you underwater longer. Compare total cost, not just the monthly payment.
Sources
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Disclaimer
Estimates only. Actual loan terms, taxes, fees, and dealer add-ons vary by location and lender. Confirm final numbers with official paperwork.