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
$ 600 / month
Amount financed
$30,360
Total interest
$5,624
Total of payments
$35,984
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 (Montana 0.000%) $0.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $360
= Amount financed $30,360
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 $600/month on about $30,360 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 $599.73 $425.16 $174.57 $29,934.84
2 $599.73 $427.60 $172.13 $29,507.24
3 $599.73 $430.06 $169.67 $29,077.18
4 $599.73 $432.54 $167.19 $28,644.64
5 $599.73 $435.02 $164.71 $28,209.62
6 $599.73 $437.52 $162.21 $27,772.10
7 $599.73 $440.04 $159.69 $27,332.06
8 $599.73 $442.57 $157.16 $26,889.49
9 $599.73 $445.12 $154.61 $26,444.37
10 $599.73 $447.67 $152.06 $25,996.70
11 $599.73 $450.25 $149.48 $25,546.45
12 $599.73 $452.84 $146.89 $25,093.61
13 $599.73 $455.44 $144.29 $24,638.17
14 $599.73 $458.06 $141.67 $24,180.11
15 $599.73 $460.69 $139.04 $23,719.42
16 $599.73 $463.34 $136.39 $23,256.08
17 $599.73 $466.01 $133.72 $22,790.07
18 $599.73 $468.69 $131.04 $22,321.38
19 $599.73 $471.38 $128.35 $21,850.00
20 $599.73 $474.09 $125.64 $21,375.91
21 $599.73 $476.82 $122.91 $20,899.09
22 $599.73 $479.56 $120.17 $20,419.53
23 $599.73 $482.32 $117.41 $19,937.21
24 $599.73 $485.09 $114.64 $19,452.12
25 $599.73 $487.88 $111.85 $18,964.24
26 $599.73 $490.69 $109.04 $18,473.55
27 $599.73 $493.51 $106.22 $17,980.04
28 $599.73 $496.34 $103.39 $17,483.70
29 $599.73 $499.20 $100.53 $16,984.50
30 $599.73 $502.07 $97.66 $16,482.43
31 $599.73 $504.96 $94.77 $15,977.47
32 $599.73 $507.86 $91.87 $15,469.61
33 $599.73 $510.78 $88.95 $14,958.83
34 $599.73 $513.72 $86.01 $14,445.11
35 $599.73 $516.67 $83.06 $13,928.44
36 $599.73 $519.64 $80.09 $13,408.80
37 $599.73 $522.63 $77.10 $12,886.17
38 $599.73 $525.63 $74.10 $12,360.54
39 $599.73 $528.66 $71.07 $11,831.88
40 $599.73 $531.70 $68.03 $11,300.18
41 $599.73 $534.75 $64.98 $10,765.43
42 $599.73 $537.83 $61.90 $10,227.60
43 $599.73 $540.92 $58.81 $9,686.68
44 $599.73 $544.03 $55.70 $9,142.65
45 $599.73 $547.16 $52.57 $8,595.49
46 $599.73 $550.31 $49.42 $8,045.18
47 $599.73 $553.47 $46.26 $7,491.71
48 $599.73 $556.65 $43.08 $6,935.06
49 $599.73 $559.85 $39.88 $6,375.21
50 $599.73 $563.07 $36.66 $5,812.14
51 $599.73 $566.31 $33.42 $5,245.83
52 $599.73 $569.57 $30.16 $4,676.26
53 $599.73 $572.84 $26.89 $4,103.42
54 $599.73 $576.14 $23.59 $3,527.28
55 $599.73 $579.45 $20.28 $2,947.83
56 $599.73 $582.78 $16.95 $2,365.05
57 $599.73 $586.13 $13.60 $1,778.92
58 $599.73 $589.50 $10.23 $1,189.42
59 $599.73 $592.89 $6.84 $596.53
60 $599.96 $596.53 $3.43 $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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