CarLoanCalc
Finance-desk accurate · 50 states

Car Loan Monthly Payment Calculator

Work out your real monthly payment the way a dealership finance desk does — sales tax by state, trade-in equity, doc & title fees, and a full amortization schedule.

19 Free・No signup · No credit check · Estimates only

Loan details

Leave at $0 if your trade-in is paid off.
Sets sales tax rate and average dealer fees for your state.
Adjust numbers above, then click calculate
Estimated monthly payment
$ 599 / month
Amount financed
$30,315
Total interest
$5,616
Total of payments
$35,931
Due at signing
$5,000

How this payment breaks down

Vehicle price $35,000
− Down payment $5,000
− Net trade-in equity $0
Sales tax (Alaska 0.000%) $0.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $315
= Amount financed $30,315
Effective monthly rate
0.575%
Payoff date Oct 2031
Interest as % of loan
18.5%
Trade-in tax treatment: Full credit
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Your next steps

You estimated $599/month on about $30,315 financed. Use the tools below to compare real offers or prepare for the purchase.

View full schedule

Amortization schedule

Click to view the complete 60-month payment schedule

⌄
# Payment Principal Interest Balance
1 $598.84 $424.53 $174.31 $29,890.47
2 $598.84 $426.97 $171.87 $29,463.50
3 $598.84 $429.42 $169.42 $29,034.08
4 $598.84 $431.89 $166.95 $28,602.19
5 $598.84 $434.38 $164.46 $28,167.81
6 $598.84 $436.88 $161.96 $27,730.93
7 $598.84 $439.39 $159.45 $27,291.54
8 $598.84 $441.91 $156.93 $26,849.63
9 $598.84 $444.45 $154.39 $26,405.18
10 $598.84 $447.01 $151.83 $25,958.17
11 $598.84 $449.58 $149.26 $25,508.59
12 $598.84 $452.17 $146.67 $25,056.42
13 $598.84 $454.77 $144.07 $24,601.65
14 $598.84 $457.38 $141.46 $24,144.27
15 $598.84 $460.01 $138.83 $23,684.26
16 $598.84 $462.66 $136.18 $23,221.60
17 $598.84 $465.32 $133.52 $22,756.28
18 $598.84 $467.99 $130.85 $22,288.29
19 $598.84 $470.68 $128.16 $21,817.61
20 $598.84 $473.39 $125.45 $21,344.22
21 $598.84 $476.11 $122.73 $20,868.11
22 $598.84 $478.85 $119.99 $20,389.26
23 $598.84 $481.60 $117.24 $19,907.66
24 $598.84 $484.37 $114.47 $19,423.29
25 $598.84 $487.16 $111.68 $18,936.13
26 $598.84 $489.96 $108.88 $18,446.17
27 $598.84 $492.77 $106.07 $17,953.40
28 $598.84 $495.61 $103.23 $17,457.79
29 $598.84 $498.46 $100.38 $16,959.33
30 $598.84 $501.32 $97.52 $16,458.01
31 $598.84 $504.21 $94.63 $15,953.80
32 $598.84 $507.11 $91.73 $15,446.69
33 $598.84 $510.02 $88.82 $14,936.67
34 $598.84 $512.95 $85.89 $14,423.72
35 $598.84 $515.90 $82.94 $13,907.82
36 $598.84 $518.87 $79.97 $13,388.95
37 $598.84 $521.85 $76.99 $12,867.10
38 $598.84 $524.85 $73.99 $12,342.25
39 $598.84 $527.87 $70.97 $11,814.38
40 $598.84 $530.91 $67.93 $11,283.47
41 $598.84 $533.96 $64.88 $10,749.51
42 $598.84 $537.03 $61.81 $10,212.48
43 $598.84 $540.12 $58.72 $9,672.36
44 $598.84 $543.22 $55.62 $9,129.14
45 $598.84 $546.35 $52.49 $8,582.79
46 $598.84 $549.49 $49.35 $8,033.30
47 $598.84 $552.65 $46.19 $7,480.65
48 $598.84 $555.83 $43.01 $6,924.82
49 $598.84 $559.02 $39.82 $6,365.80
50 $598.84 $562.24 $36.60 $5,803.56
51 $598.84 $565.47 $33.37 $5,238.09
52 $598.84 $568.72 $30.12 $4,669.37
53 $598.84 $571.99 $26.85 $4,097.38
54 $598.84 $575.28 $23.56 $3,522.10
55 $598.84 $578.59 $20.25 $2,943.51
56 $598.84 $581.91 $16.93 $2,361.60
57 $598.84 $585.26 $13.58 $1,776.34
58 $598.84 $588.63 $10.21 $1,187.71
59 $598.84 $592.01 $6.83 $595.70
60 $599.13 $595.70 $3.43 $0.00

Frequently asked questions

How accurate is this calculator?

It uses the standard amortization formula used by banks and dealership finance departments. It includes estimated state sales tax, dealer fees, trade-in equity and financing assumptions. Your lender's final APR and fees may differ.

Does trade-in value reduce my sales tax?

Many states allow trade-in credits to reduce the taxable amount. This calculator applies the selected state's rule.

Should I finance sales tax and fees?

Rolling taxes and fees into the loan reduces cash required at signing, but increases the financed amount and total interest paid.

How much car can I afford?

Start with your monthly budget using our affordability calculator, and see average rates by credit score before you compare offers.

Should I refinance or buy?

See how much a lower rate saves with the refinance calculator, and compare leasing vs buying the same car.

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Average rates, doc fee caps, and trade-in rules for all 50 states.

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