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
$32,037
Total interest
$5,935
Total of payments
$37,971
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 (Missouri 4.225%) $1,478.75
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,037
= Amount financed $32,037
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 $32,037 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 $632.86 $448.65 $184.21 $31,588.10
2 $632.86 $451.23 $181.63 $31,136.87
3 $632.86 $453.82 $179.04 $30,683.05
4 $632.86 $456.43 $176.43 $30,226.62
5 $632.86 $459.06 $173.80 $29,767.56
6 $632.86 $461.70 $171.16 $29,305.86
7 $632.86 $464.35 $168.51 $28,841.51
8 $632.86 $467.02 $165.84 $28,374.49
9 $632.86 $469.71 $163.15 $27,904.78
10 $632.86 $472.41 $160.45 $27,432.37
11 $632.86 $475.12 $157.74 $26,957.25
12 $632.86 $477.86 $155.00 $26,479.39
13 $632.86 $480.60 $152.26 $25,998.79
14 $632.86 $483.37 $149.49 $25,515.42
15 $632.86 $486.15 $146.71 $25,029.27
16 $632.86 $488.94 $143.92 $24,540.33
17 $632.86 $491.75 $141.11 $24,048.58
18 $632.86 $494.58 $138.28 $23,554.00
19 $632.86 $497.42 $135.44 $23,056.58
20 $632.86 $500.28 $132.58 $22,556.30
21 $632.86 $503.16 $129.70 $22,053.14
22 $632.86 $506.05 $126.81 $21,547.09
23 $632.86 $508.96 $123.90 $21,038.13
24 $632.86 $511.89 $120.97 $20,526.24
25 $632.86 $514.83 $118.03 $20,011.41
26 $632.86 $517.79 $115.07 $19,493.62
27 $632.86 $520.77 $112.09 $18,972.85
28 $632.86 $523.77 $109.09 $18,449.08
29 $632.86 $526.78 $106.08 $17,922.30
30 $632.86 $529.81 $103.05 $17,392.49
31 $632.86 $532.85 $100.01 $16,859.64
32 $632.86 $535.92 $96.94 $16,323.72
33 $632.86 $539.00 $93.86 $15,784.72
34 $632.86 $542.10 $90.76 $15,242.62
35 $632.86 $545.21 $87.65 $14,697.41
36 $632.86 $548.35 $84.51 $14,149.06
37 $632.86 $551.50 $81.36 $13,597.56
38 $632.86 $554.67 $78.19 $13,042.89
39 $632.86 $557.86 $75.00 $12,485.03
40 $632.86 $561.07 $71.79 $11,923.96
41 $632.86 $564.30 $68.56 $11,359.66
42 $632.86 $567.54 $65.32 $10,792.12
43 $632.86 $570.81 $62.05 $10,221.31
44 $632.86 $574.09 $58.77 $9,647.22
45 $632.86 $577.39 $55.47 $9,069.83
46 $632.86 $580.71 $52.15 $8,489.12
47 $632.86 $584.05 $48.81 $7,905.07
48 $632.86 $587.41 $45.45 $7,317.66
49 $632.86 $590.78 $42.08 $6,726.88
50 $632.86 $594.18 $38.68 $6,132.70
51 $632.86 $597.60 $35.26 $5,535.10
52 $632.86 $601.03 $31.83 $4,934.07
53 $632.86 $604.49 $28.37 $4,329.58
54 $632.86 $607.96 $24.90 $3,721.62
55 $632.86 $611.46 $21.40 $3,110.16
56 $632.86 $614.98 $17.88 $2,495.18
57 $632.86 $618.51 $14.35 $1,876.67
58 $632.86 $622.07 $10.79 $1,254.60
59 $632.86 $625.65 $7.21 $628.95
60 $632.57 $628.95 $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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