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
$ 638 / month
Amount financed
$32,284
Total interest
$5,980
Total of payments
$38,264
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 (Nebraska 5.500%) $1,925.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,284
= Amount financed $32,284
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 $638/month on about $32,284 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 $637.74 $452.11 $185.63 $31,831.89
2 $637.74 $454.71 $183.03 $31,377.18
3 $637.74 $457.32 $180.42 $30,919.86
4 $637.74 $459.95 $177.79 $30,459.91
5 $637.74 $462.60 $175.14 $29,997.31
6 $637.74 $465.26 $172.48 $29,532.05
7 $637.74 $467.93 $169.81 $29,064.12
8 $637.74 $470.62 $167.12 $28,593.50
9 $637.74 $473.33 $164.41 $28,120.17
10 $637.74 $476.05 $161.69 $27,644.12
11 $637.74 $478.79 $158.95 $27,165.33
12 $637.74 $481.54 $156.20 $26,683.79
13 $637.74 $484.31 $153.43 $26,199.48
14 $637.74 $487.09 $150.65 $25,712.39
15 $637.74 $489.89 $147.85 $25,222.50
16 $637.74 $492.71 $145.03 $24,729.79
17 $637.74 $495.54 $142.20 $24,234.25
18 $637.74 $498.39 $139.35 $23,735.86
19 $637.74 $501.26 $136.48 $23,234.60
20 $637.74 $504.14 $133.60 $22,730.46
21 $637.74 $507.04 $130.70 $22,223.42
22 $637.74 $509.96 $127.78 $21,713.46
23 $637.74 $512.89 $124.85 $21,200.57
24 $637.74 $515.84 $121.90 $20,684.73
25 $637.74 $518.80 $118.94 $20,165.93
26 $637.74 $521.79 $115.95 $19,644.14
27 $637.74 $524.79 $112.95 $19,119.35
28 $637.74 $527.80 $109.94 $18,591.55
29 $637.74 $530.84 $106.90 $18,060.71
30 $637.74 $533.89 $103.85 $17,526.82
31 $637.74 $536.96 $100.78 $16,989.86
32 $637.74 $540.05 $97.69 $16,449.81
33 $637.74 $543.15 $94.59 $15,906.66
34 $637.74 $546.28 $91.46 $15,360.38
35 $637.74 $549.42 $88.32 $14,810.96
36 $637.74 $552.58 $85.16 $14,258.38
37 $637.74 $555.75 $81.99 $13,702.63
38 $637.74 $558.95 $78.79 $13,143.68
39 $637.74 $562.16 $75.58 $12,581.52
40 $637.74 $565.40 $72.34 $12,016.12
41 $637.74 $568.65 $69.09 $11,447.47
42 $637.74 $571.92 $65.82 $10,875.55
43 $637.74 $575.21 $62.53 $10,300.34
44 $637.74 $578.51 $59.23 $9,721.83
45 $637.74 $581.84 $55.90 $9,139.99
46 $637.74 $585.19 $52.55 $8,554.80
47 $637.74 $588.55 $49.19 $7,966.25
48 $637.74 $591.93 $45.81 $7,374.32
49 $637.74 $595.34 $42.40 $6,778.98
50 $637.74 $598.76 $38.98 $6,180.22
51 $637.74 $602.20 $35.54 $5,578.02
52 $637.74 $605.67 $32.07 $4,972.35
53 $637.74 $609.15 $28.59 $4,363.20
54 $637.74 $612.65 $25.09 $3,750.55
55 $637.74 $616.17 $21.57 $3,134.38
56 $637.74 $619.72 $18.02 $2,514.66
57 $637.74 $623.28 $14.46 $1,891.38
58 $637.74 $626.86 $10.88 $1,264.52
59 $637.74 $630.47 $7.27 $634.05
60 $637.70 $634.05 $3.65 $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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