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
$ 629 / month
Amount financed
$31,850
Total interest
$5,900
Total of payments
$37,750
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 (Hawaii 4.000%) $1,400.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $1,850
= Amount financed $31,850
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 $629/month on about $31,850 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 $629.17 $446.03 $183.14 $31,403.97
2 $629.17 $448.60 $180.57 $30,955.37
3 $629.17 $451.18 $177.99 $30,504.19
4 $629.17 $453.77 $175.40 $30,050.42
5 $629.17 $456.38 $172.79 $29,594.04
6 $629.17 $459.00 $170.17 $29,135.04
7 $629.17 $461.64 $167.53 $28,673.40
8 $629.17 $464.30 $164.87 $28,209.10
9 $629.17 $466.97 $162.20 $27,742.13
10 $629.17 $469.65 $159.52 $27,272.48
11 $629.17 $472.35 $156.82 $26,800.13
12 $629.17 $475.07 $154.10 $26,325.06
13 $629.17 $477.80 $151.37 $25,847.26
14 $629.17 $480.55 $148.62 $25,366.71
15 $629.17 $483.31 $145.86 $24,883.40
16 $629.17 $486.09 $143.08 $24,397.31
17 $629.17 $488.89 $140.28 $23,908.42
18 $629.17 $491.70 $137.47 $23,416.72
19 $629.17 $494.52 $134.65 $22,922.20
20 $629.17 $497.37 $131.80 $22,424.83
21 $629.17 $500.23 $128.94 $21,924.60
22 $629.17 $503.10 $126.07 $21,421.50
23 $629.17 $506.00 $123.17 $20,915.50
24 $629.17 $508.91 $120.26 $20,406.59
25 $629.17 $511.83 $117.34 $19,894.76
26 $629.17 $514.78 $114.39 $19,379.98
27 $629.17 $517.74 $111.43 $18,862.24
28 $629.17 $520.71 $108.46 $18,341.53
29 $629.17 $523.71 $105.46 $17,817.82
30 $629.17 $526.72 $102.45 $17,291.10
31 $629.17 $529.75 $99.42 $16,761.35
32 $629.17 $532.79 $96.38 $16,228.56
33 $629.17 $535.86 $93.31 $15,692.70
34 $629.17 $538.94 $90.23 $15,153.76
35 $629.17 $542.04 $87.13 $14,611.72
36 $629.17 $545.15 $84.02 $14,066.57
37 $629.17 $548.29 $80.88 $13,518.28
38 $629.17 $551.44 $77.73 $12,966.84
39 $629.17 $554.61 $74.56 $12,412.23
40 $629.17 $557.80 $71.37 $11,854.43
41 $629.17 $561.01 $68.16 $11,293.42
42 $629.17 $564.23 $64.94 $10,729.19
43 $629.17 $567.48 $61.69 $10,161.71
44 $629.17 $570.74 $58.43 $9,590.97
45 $629.17 $574.02 $55.15 $9,016.95
46 $629.17 $577.32 $51.85 $8,439.63
47 $629.17 $580.64 $48.53 $7,858.99
48 $629.17 $583.98 $45.19 $7,275.01
49 $629.17 $587.34 $41.83 $6,687.67
50 $629.17 $590.72 $38.45 $6,096.95
51 $629.17 $594.11 $35.06 $5,502.84
52 $629.17 $597.53 $31.64 $4,905.31
53 $629.17 $600.96 $28.21 $4,304.35
54 $629.17 $604.42 $24.75 $3,699.93
55 $629.17 $607.90 $21.27 $3,092.03
56 $629.17 $611.39 $17.78 $2,480.64
57 $629.17 $614.91 $14.26 $1,865.73
58 $629.17 $618.44 $10.73 $1,247.29
59 $629.17 $622.00 $7.17 $625.29
60 $628.89 $625.29 $3.60 $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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Car sales tax by state

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

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