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
$ 647 / month
Amount financed
$32,734
Total interest
$6,064
Total of payments
$38,798
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 (Kansas 6.500%) $2,275.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,734
= Amount financed $32,734
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 $647/month on about $32,734 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 $646.63 $458.41 $188.22 $32,275.59
2 $646.63 $461.05 $185.58 $31,814.54
3 $646.63 $463.70 $182.93 $31,350.84
4 $646.63 $466.36 $180.27 $30,884.48
5 $646.63 $469.04 $177.59 $30,415.44
6 $646.63 $471.74 $174.89 $29,943.70
7 $646.63 $474.45 $172.18 $29,469.25
8 $646.63 $477.18 $169.45 $28,992.07
9 $646.63 $479.93 $166.70 $28,512.14
10 $646.63 $482.69 $163.94 $28,029.45
11 $646.63 $485.46 $161.17 $27,543.99
12 $646.63 $488.25 $158.38 $27,055.74
13 $646.63 $491.06 $155.57 $26,564.68
14 $646.63 $493.88 $152.75 $26,070.80
15 $646.63 $496.72 $149.91 $25,574.08
16 $646.63 $499.58 $147.05 $25,074.50
17 $646.63 $502.45 $144.18 $24,572.05
18 $646.63 $505.34 $141.29 $24,066.71
19 $646.63 $508.25 $138.38 $23,558.46
20 $646.63 $511.17 $135.46 $23,047.29
21 $646.63 $514.11 $132.52 $22,533.18
22 $646.63 $517.06 $129.57 $22,016.12
23 $646.63 $520.04 $126.59 $21,496.08
24 $646.63 $523.03 $123.60 $20,973.05
25 $646.63 $526.03 $120.60 $20,447.02
26 $646.63 $529.06 $117.57 $19,917.96
27 $646.63 $532.10 $114.53 $19,385.86
28 $646.63 $535.16 $111.47 $18,850.70
29 $646.63 $538.24 $108.39 $18,312.46
30 $646.63 $541.33 $105.30 $17,771.13
31 $646.63 $544.45 $102.18 $17,226.68
32 $646.63 $547.58 $99.05 $16,679.10
33 $646.63 $550.73 $95.90 $16,128.37
34 $646.63 $553.89 $92.74 $15,574.48
35 $646.63 $557.08 $89.55 $15,017.40
36 $646.63 $560.28 $86.35 $14,457.12
37 $646.63 $563.50 $83.13 $13,893.62
38 $646.63 $566.74 $79.89 $13,326.88
39 $646.63 $570.00 $76.63 $12,756.88
40 $646.63 $573.28 $73.35 $12,183.60
41 $646.63 $576.57 $70.06 $11,607.03
42 $646.63 $579.89 $66.74 $11,027.14
43 $646.63 $583.22 $63.41 $10,443.92
44 $646.63 $586.58 $60.05 $9,857.34
45 $646.63 $589.95 $56.68 $9,267.39
46 $646.63 $593.34 $53.29 $8,674.05
47 $646.63 $596.75 $49.88 $8,077.30
48 $646.63 $600.19 $46.44 $7,477.11
49 $646.63 $603.64 $42.99 $6,873.47
50 $646.63 $607.11 $39.52 $6,266.36
51 $646.63 $610.60 $36.03 $5,655.76
52 $646.63 $614.11 $32.52 $5,041.65
53 $646.63 $617.64 $28.99 $4,424.01
54 $646.63 $621.19 $25.44 $3,802.82
55 $646.63 $624.76 $21.87 $3,178.06
56 $646.63 $628.36 $18.27 $2,549.70
57 $646.63 $631.97 $14.66 $1,917.73
58 $646.63 $635.60 $11.03 $1,282.13
59 $646.63 $639.26 $7.37 $642.87
60 $646.57 $642.87 $3.70 $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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