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
$30,365
Total interest
$5,625
Total of payments
$35,990
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 (New Hampshire 0.000%) $0.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $365
= Amount financed $30,365
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 $30,365 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 $599.83 $425.23 $174.60 $29,939.77
2 $599.83 $427.68 $172.15 $29,512.09
3 $599.83 $430.14 $169.69 $29,081.95
4 $599.83 $432.61 $167.22 $28,649.34
5 $599.83 $435.10 $164.73 $28,214.24
6 $599.83 $437.60 $162.23 $27,776.64
7 $599.83 $440.11 $159.72 $27,336.53
8 $599.83 $442.64 $157.19 $26,893.89
9 $599.83 $445.19 $154.64 $26,448.70
10 $599.83 $447.75 $152.08 $26,000.95
11 $599.83 $450.32 $149.51 $25,550.63
12 $599.83 $452.91 $146.92 $25,097.72
13 $599.83 $455.52 $144.31 $24,642.20
14 $599.83 $458.14 $141.69 $24,184.06
15 $599.83 $460.77 $139.06 $23,723.29
16 $599.83 $463.42 $136.41 $23,259.87
17 $599.83 $466.09 $133.74 $22,793.78
18 $599.83 $468.77 $131.06 $22,325.01
19 $599.83 $471.46 $128.37 $21,853.55
20 $599.83 $474.17 $125.66 $21,379.38
21 $599.83 $476.90 $122.93 $20,902.48
22 $599.83 $479.64 $120.19 $20,422.84
23 $599.83 $482.40 $117.43 $19,940.44
24 $599.83 $485.17 $114.66 $19,455.27
25 $599.83 $487.96 $111.87 $18,967.31
26 $599.83 $490.77 $109.06 $18,476.54
27 $599.83 $493.59 $106.24 $17,982.95
28 $599.83 $496.43 $103.40 $17,486.52
29 $599.83 $499.28 $100.55 $16,987.24
30 $599.83 $502.15 $97.68 $16,485.09
31 $599.83 $505.04 $94.79 $15,980.05
32 $599.83 $507.94 $91.89 $15,472.11
33 $599.83 $510.87 $88.96 $14,961.24
34 $599.83 $513.80 $86.03 $14,447.44
35 $599.83 $516.76 $83.07 $13,930.68
36 $599.83 $519.73 $80.10 $13,410.95
37 $599.83 $522.72 $77.11 $12,888.23
38 $599.83 $525.72 $74.11 $12,362.51
39 $599.83 $528.75 $71.08 $11,833.76
40 $599.83 $531.79 $68.04 $11,301.97
41 $599.83 $534.84 $64.99 $10,767.13
42 $599.83 $537.92 $61.91 $10,229.21
43 $599.83 $541.01 $58.82 $9,688.20
44 $599.83 $544.12 $55.71 $9,144.08
45 $599.83 $547.25 $52.58 $8,596.83
46 $599.83 $550.40 $49.43 $8,046.43
47 $599.83 $553.56 $46.27 $7,492.87
48 $599.83 $556.75 $43.08 $6,936.12
49 $599.83 $559.95 $39.88 $6,376.17
50 $599.83 $563.17 $36.66 $5,813.00
51 $599.83 $566.41 $33.42 $5,246.59
52 $599.83 $569.66 $30.17 $4,676.93
53 $599.83 $572.94 $26.89 $4,103.99
54 $599.83 $576.23 $23.60 $3,527.76
55 $599.83 $579.55 $20.28 $2,948.21
56 $599.83 $582.88 $16.95 $2,365.33
57 $599.83 $586.23 $13.60 $1,779.10
58 $599.83 $589.60 $10.23 $1,189.50
59 $599.83 $592.99 $6.84 $596.51
60 $599.94 $596.51 $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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