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
$ 658 / month
Amount financed
$33,299
Total interest
$6,168
Total of payments
$39,467
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 (Florida 6.000%) $2,100.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $3,299
= Amount financed $33,299
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 $658/month on about $33,299 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 $657.79 $466.32 $191.47 $32,832.68
2 $657.79 $469.00 $188.79 $32,363.68
3 $657.79 $471.70 $186.09 $31,891.98
4 $657.79 $474.41 $183.38 $31,417.57
5 $657.79 $477.14 $180.65 $30,940.43
6 $657.79 $479.88 $177.91 $30,460.55
7 $657.79 $482.64 $175.15 $29,977.91
8 $657.79 $485.42 $172.37 $29,492.49
9 $657.79 $488.21 $169.58 $29,004.28
10 $657.79 $491.02 $166.77 $28,513.26
11 $657.79 $493.84 $163.95 $28,019.42
12 $657.79 $496.68 $161.11 $27,522.74
13 $657.79 $499.53 $158.26 $27,023.21
14 $657.79 $502.41 $155.38 $26,520.80
15 $657.79 $505.30 $152.49 $26,015.50
16 $657.79 $508.20 $149.59 $25,507.30
17 $657.79 $511.12 $146.67 $24,996.18
18 $657.79 $514.06 $143.73 $24,482.12
19 $657.79 $517.02 $140.77 $23,965.10
20 $657.79 $519.99 $137.80 $23,445.11
21 $657.79 $522.98 $134.81 $22,922.13
22 $657.79 $525.99 $131.80 $22,396.14
23 $657.79 $529.01 $128.78 $21,867.13
24 $657.79 $532.05 $125.74 $21,335.08
25 $657.79 $535.11 $122.68 $20,799.97
26 $657.79 $538.19 $119.60 $20,261.78
27 $657.79 $541.28 $116.51 $19,720.50
28 $657.79 $544.40 $113.39 $19,176.10
29 $657.79 $547.53 $110.26 $18,628.57
30 $657.79 $550.68 $107.11 $18,077.89
31 $657.79 $553.84 $103.95 $17,524.05
32 $657.79 $557.03 $100.76 $16,967.02
33 $657.79 $560.23 $97.56 $16,406.79
34 $657.79 $563.45 $94.34 $15,843.34
35 $657.79 $566.69 $91.10 $15,276.65
36 $657.79 $569.95 $87.84 $14,706.70
37 $657.79 $573.23 $84.56 $14,133.47
38 $657.79 $576.52 $81.27 $13,556.95
39 $657.79 $579.84 $77.95 $12,977.11
40 $657.79 $583.17 $74.62 $12,393.94
41 $657.79 $586.52 $71.27 $11,807.42
42 $657.79 $589.90 $67.89 $11,217.52
43 $657.79 $593.29 $64.50 $10,624.23
44 $657.79 $596.70 $61.09 $10,027.53
45 $657.79 $600.13 $57.66 $9,427.40
46 $657.79 $603.58 $54.21 $8,823.82
47 $657.79 $607.05 $50.74 $8,216.77
48 $657.79 $610.54 $47.25 $7,606.23
49 $657.79 $614.05 $43.74 $6,992.18
50 $657.79 $617.58 $40.21 $6,374.60
51 $657.79 $621.14 $36.65 $5,753.46
52 $657.79 $624.71 $33.08 $5,128.75
53 $657.79 $628.30 $29.49 $4,500.45
54 $657.79 $631.91 $25.88 $3,868.54
55 $657.79 $635.55 $22.24 $3,232.99
56 $657.79 $639.20 $18.59 $2,593.79
57 $657.79 $642.88 $14.91 $1,950.91
58 $657.79 $646.57 $11.22 $1,304.34
59 $657.79 $650.29 $7.50 $654.05
60 $657.81 $654.05 $3.76 $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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