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
$ 651 / month
Amount financed
$32,948
Total interest
$6,103
Total of payments
$39,051
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 (California 7.250%) $2,537.50
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,948
= Amount financed $32,948
Effective monthly rate
0.575%
Payoff date Oct 2031
Interest as % of loan
18.5%
Trade-in tax treatment: No credit
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Your next steps

You estimated $651/month on about $32,948 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 $650.85 $461.40 $189.45 $32,486.10
2 $650.85 $464.05 $186.80 $32,022.05
3 $650.85 $466.72 $184.13 $31,555.33
4 $650.85 $469.41 $181.44 $31,085.92
5 $650.85 $472.11 $178.74 $30,613.81
6 $650.85 $474.82 $176.03 $30,138.99
7 $650.85 $477.55 $173.30 $29,661.44
8 $650.85 $480.30 $170.55 $29,181.14
9 $650.85 $483.06 $167.79 $28,698.08
10 $650.85 $485.84 $165.01 $28,212.24
11 $650.85 $488.63 $162.22 $27,723.61
12 $650.85 $491.44 $159.41 $27,232.17
13 $650.85 $494.27 $156.58 $26,737.90
14 $650.85 $497.11 $153.74 $26,240.79
15 $650.85 $499.97 $150.88 $25,740.82
16 $650.85 $502.84 $148.01 $25,237.98
17 $650.85 $505.73 $145.12 $24,732.25
18 $650.85 $508.64 $142.21 $24,223.61
19 $650.85 $511.56 $139.29 $23,712.05
20 $650.85 $514.51 $136.34 $23,197.54
21 $650.85 $517.46 $133.39 $22,680.08
22 $650.85 $520.44 $130.41 $22,159.64
23 $650.85 $523.43 $127.42 $21,636.21
24 $650.85 $526.44 $124.41 $21,109.77
25 $650.85 $529.47 $121.38 $20,580.30
26 $650.85 $532.51 $118.34 $20,047.79
27 $650.85 $535.58 $115.27 $19,512.21
28 $650.85 $538.65 $112.20 $18,973.56
29 $650.85 $541.75 $109.10 $18,431.81
30 $650.85 $544.87 $105.98 $17,886.94
31 $650.85 $548.00 $102.85 $17,338.94
32 $650.85 $551.15 $99.70 $16,787.79
33 $650.85 $554.32 $96.53 $16,233.47
34 $650.85 $557.51 $93.34 $15,675.96
35 $650.85 $560.71 $90.14 $15,115.25
36 $650.85 $563.94 $86.91 $14,551.31
37 $650.85 $567.18 $83.67 $13,984.13
38 $650.85 $570.44 $80.41 $13,413.69
39 $650.85 $573.72 $77.13 $12,839.97
40 $650.85 $577.02 $73.83 $12,262.95
41 $650.85 $580.34 $70.51 $11,682.61
42 $650.85 $583.67 $67.18 $11,098.94
43 $650.85 $587.03 $63.82 $10,511.91
44 $650.85 $590.41 $60.44 $9,921.50
45 $650.85 $593.80 $57.05 $9,327.70
46 $650.85 $597.22 $53.63 $8,730.48
47 $650.85 $600.65 $50.20 $8,129.83
48 $650.85 $604.10 $46.75 $7,525.73
49 $650.85 $607.58 $43.27 $6,918.15
50 $650.85 $611.07 $39.78 $6,307.08
51 $650.85 $614.58 $36.27 $5,692.50
52 $650.85 $618.12 $32.73 $5,074.38
53 $650.85 $621.67 $29.18 $4,452.71
54 $650.85 $625.25 $25.60 $3,827.46
55 $650.85 $628.84 $22.01 $3,198.62
56 $650.85 $632.46 $18.39 $2,566.16
57 $650.85 $636.09 $14.76 $1,930.07
58 $650.85 $639.75 $11.10 $1,290.32
59 $650.85 $643.43 $7.42 $646.89
60 $650.61 $646.89 $3.72 $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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