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
$ 633 / month
Amount financed
$32,042
Total interest
$5,936
Total of payments
$37,978
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 (Georgia 4.000%) $1,400.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,042
= Amount financed $32,042
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 $633/month on about $32,042 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 $632.96 $448.72 $184.24 $31,593.28
2 $632.96 $451.30 $181.66 $31,141.98
3 $632.96 $453.89 $179.07 $30,688.09
4 $632.96 $456.50 $176.46 $30,231.59
5 $632.96 $459.13 $173.83 $29,772.46
6 $632.96 $461.77 $171.19 $29,310.69
7 $632.96 $464.42 $168.54 $28,846.27
8 $632.96 $467.09 $165.87 $28,379.18
9 $632.96 $469.78 $163.18 $27,909.40
10 $632.96 $472.48 $160.48 $27,436.92
11 $632.96 $475.20 $157.76 $26,961.72
12 $632.96 $477.93 $155.03 $26,483.79
13 $632.96 $480.68 $152.28 $26,003.11
14 $632.96 $483.44 $149.52 $25,519.67
15 $632.96 $486.22 $146.74 $25,033.45
16 $632.96 $489.02 $143.94 $24,544.43
17 $632.96 $491.83 $141.13 $24,052.60
18 $632.96 $494.66 $138.30 $23,557.94
19 $632.96 $497.50 $135.46 $23,060.44
20 $632.96 $500.36 $132.60 $22,560.08
21 $632.96 $503.24 $129.72 $22,056.84
22 $632.96 $506.13 $126.83 $21,550.71
23 $632.96 $509.04 $123.92 $21,041.67
24 $632.96 $511.97 $120.99 $20,529.70
25 $632.96 $514.91 $118.05 $20,014.79
26 $632.96 $517.87 $115.09 $19,496.92
27 $632.96 $520.85 $112.11 $18,976.07
28 $632.96 $523.85 $109.11 $18,452.22
29 $632.96 $526.86 $106.10 $17,925.36
30 $632.96 $529.89 $103.07 $17,395.47
31 $632.96 $532.94 $100.02 $16,862.53
32 $632.96 $536.00 $96.96 $16,326.53
33 $632.96 $539.08 $93.88 $15,787.45
34 $632.96 $542.18 $90.78 $15,245.27
35 $632.96 $545.30 $87.66 $14,699.97
36 $632.96 $548.44 $84.52 $14,151.53
37 $632.96 $551.59 $81.37 $13,599.94
38 $632.96 $554.76 $78.20 $13,045.18
39 $632.96 $557.95 $75.01 $12,487.23
40 $632.96 $561.16 $71.80 $11,926.07
41 $632.96 $564.39 $68.57 $11,361.68
42 $632.96 $567.63 $65.33 $10,794.05
43 $632.96 $570.89 $62.07 $10,223.16
44 $632.96 $574.18 $58.78 $9,648.98
45 $632.96 $577.48 $55.48 $9,071.50
46 $632.96 $580.80 $52.16 $8,490.70
47 $632.96 $584.14 $48.82 $7,906.56
48 $632.96 $587.50 $45.46 $7,319.06
49 $632.96 $590.88 $42.08 $6,728.18
50 $632.96 $594.27 $38.69 $6,133.91
51 $632.96 $597.69 $35.27 $5,536.22
52 $632.96 $601.13 $31.83 $4,935.09
53 $632.96 $604.58 $28.38 $4,330.51
54 $632.96 $608.06 $24.90 $3,722.45
55 $632.96 $611.56 $21.40 $3,110.89
56 $632.96 $615.07 $17.89 $2,495.82
57 $632.96 $618.61 $14.35 $1,877.21
58 $632.96 $622.17 $10.79 $1,255.04
59 $632.96 $625.74 $7.22 $629.30
60 $632.92 $629.30 $3.62 $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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