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
$ 604 / month
Amount financed
$30,575
Total interest
$5,664
Total of payments
$36,239
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 (Delaware 0.000%) $0.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $575
= Amount financed $30,575
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 $604/month on about $30,575 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 $603.98 $428.17 $175.81 $30,146.83
2 $603.98 $430.64 $173.34 $29,716.19
3 $603.98 $433.11 $170.87 $29,283.08
4 $603.98 $435.60 $168.38 $28,847.48
5 $603.98 $438.11 $165.87 $28,409.37
6 $603.98 $440.63 $163.35 $27,968.74
7 $603.98 $443.16 $160.82 $27,525.58
8 $603.98 $445.71 $158.27 $27,079.87
9 $603.98 $448.27 $155.71 $26,631.60
10 $603.98 $450.85 $153.13 $26,180.75
11 $603.98 $453.44 $150.54 $25,727.31
12 $603.98 $456.05 $147.93 $25,271.26
13 $603.98 $458.67 $145.31 $24,812.59
14 $603.98 $461.31 $142.67 $24,351.28
15 $603.98 $463.96 $140.02 $23,887.32
16 $603.98 $466.63 $137.35 $23,420.69
17 $603.98 $469.31 $134.67 $22,951.38
18 $603.98 $472.01 $131.97 $22,479.37
19 $603.98 $474.72 $129.26 $22,004.65
20 $603.98 $477.45 $126.53 $21,527.20
21 $603.98 $480.20 $123.78 $21,047.00
22 $603.98 $482.96 $121.02 $20,564.04
23 $603.98 $485.74 $118.24 $20,078.30
24 $603.98 $488.53 $115.45 $19,589.77
25 $603.98 $491.34 $112.64 $19,098.43
26 $603.98 $494.16 $109.82 $18,604.27
27 $603.98 $497.01 $106.97 $18,107.26
28 $603.98 $499.86 $104.12 $17,607.40
29 $603.98 $502.74 $101.24 $17,104.66
30 $603.98 $505.63 $98.35 $16,599.03
31 $603.98 $508.54 $95.44 $16,090.49
32 $603.98 $511.46 $92.52 $15,579.03
33 $603.98 $514.40 $89.58 $15,064.63
34 $603.98 $517.36 $86.62 $14,547.27
35 $603.98 $520.33 $83.65 $14,026.94
36 $603.98 $523.33 $80.65 $13,503.61
37 $603.98 $526.33 $77.65 $12,977.28
38 $603.98 $529.36 $74.62 $12,447.92
39 $603.98 $532.40 $71.58 $11,915.52
40 $603.98 $535.47 $68.51 $11,380.05
41 $603.98 $538.54 $65.44 $10,841.51
42 $603.98 $541.64 $62.34 $10,299.87
43 $603.98 $544.76 $59.22 $9,755.11
44 $603.98 $547.89 $56.09 $9,207.22
45 $603.98 $551.04 $52.94 $8,656.18
46 $603.98 $554.21 $49.77 $8,101.97
47 $603.98 $557.39 $46.59 $7,544.58
48 $603.98 $560.60 $43.38 $6,983.98
49 $603.98 $563.82 $40.16 $6,420.16
50 $603.98 $567.06 $36.92 $5,853.10
51 $603.98 $570.32 $33.66 $5,282.78
52 $603.98 $573.60 $30.38 $4,709.18
53 $603.98 $576.90 $27.08 $4,132.28
54 $603.98 $580.22 $23.76 $3,552.06
55 $603.98 $583.56 $20.42 $2,968.50
56 $603.98 $586.91 $17.07 $2,381.59
57 $603.98 $590.29 $13.69 $1,791.30
58 $603.98 $593.68 $10.30 $1,197.62
59 $603.98 $597.09 $6.89 $600.53
60 $603.98 $600.53 $3.45 $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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