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
$ 652 / month
Amount financed
$33,026
Total interest
$6,118
Total of payments
$39,143
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 (Nevada 6.850%) $2,397.50
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $3,026
= Amount financed $33,026
Effective monthly rate
0.575%
Payoff date Oct 2031
Interest as % of loan
18.5%
Trade-in tax treatment: Full credit
Advertisement

Your next steps

You estimated $652/month on about $33,026 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 $652.39 $462.49 $189.90 $32,563.01
2 $652.39 $465.15 $187.24 $32,097.86
3 $652.39 $467.83 $184.56 $31,630.03
4 $652.39 $470.52 $181.87 $31,159.51
5 $652.39 $473.22 $179.17 $30,686.29
6 $652.39 $475.94 $176.45 $30,210.35
7 $652.39 $478.68 $173.71 $29,731.67
8 $652.39 $481.43 $170.96 $29,250.24
9 $652.39 $484.20 $168.19 $28,766.04
10 $652.39 $486.99 $165.40 $28,279.05
11 $652.39 $489.79 $162.60 $27,789.26
12 $652.39 $492.60 $159.79 $27,296.66
13 $652.39 $495.43 $156.96 $26,801.23
14 $652.39 $498.28 $154.11 $26,302.95
15 $652.39 $501.15 $151.24 $25,801.80
16 $652.39 $504.03 $148.36 $25,297.77
17 $652.39 $506.93 $145.46 $24,790.84
18 $652.39 $509.84 $142.55 $24,281.00
19 $652.39 $512.77 $139.62 $23,768.23
20 $652.39 $515.72 $136.67 $23,252.51
21 $652.39 $518.69 $133.70 $22,733.82
22 $652.39 $521.67 $130.72 $22,212.15
23 $652.39 $524.67 $127.72 $21,687.48
24 $652.39 $527.69 $124.70 $21,159.79
25 $652.39 $530.72 $121.67 $20,629.07
26 $652.39 $533.77 $118.62 $20,095.30
27 $652.39 $536.84 $115.55 $19,558.46
28 $652.39 $539.93 $112.46 $19,018.53
29 $652.39 $543.03 $109.36 $18,475.50
30 $652.39 $546.16 $106.23 $17,929.34
31 $652.39 $549.30 $103.09 $17,380.04
32 $652.39 $552.45 $99.94 $16,827.59
33 $652.39 $555.63 $96.76 $16,271.96
34 $652.39 $558.83 $93.56 $15,713.13
35 $652.39 $562.04 $90.35 $15,151.09
36 $652.39 $565.27 $87.12 $14,585.82
37 $652.39 $568.52 $83.87 $14,017.30
38 $652.39 $571.79 $80.60 $13,445.51
39 $652.39 $575.08 $77.31 $12,870.43
40 $652.39 $578.39 $74.00 $12,292.04
41 $652.39 $581.71 $70.68 $11,710.33
42 $652.39 $585.06 $67.33 $11,125.27
43 $652.39 $588.42 $63.97 $10,536.85
44 $652.39 $591.80 $60.59 $9,945.05
45 $652.39 $595.21 $57.18 $9,349.84
46 $652.39 $598.63 $53.76 $8,751.21
47 $652.39 $602.07 $50.32 $8,149.14
48 $652.39 $605.53 $46.86 $7,543.61
49 $652.39 $609.01 $43.38 $6,934.60
50 $652.39 $612.52 $39.87 $6,322.08
51 $652.39 $616.04 $36.35 $5,706.04
52 $652.39 $619.58 $32.81 $5,086.46
53 $652.39 $623.14 $29.25 $4,463.32
54 $652.39 $626.73 $25.66 $3,836.59
55 $652.39 $630.33 $22.06 $3,206.26
56 $652.39 $633.95 $18.44 $2,572.31
57 $652.39 $637.60 $14.79 $1,934.71
58 $652.39 $641.27 $11.12 $1,293.44
59 $652.39 $644.95 $7.44 $648.49
60 $652.22 $648.49 $3.73 $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.

More calculators & data

New tool

Affordability calculator

Enter your monthly budget and see the max car price you can afford.

 New tool

Refinance calculator

Compare your current loan to a lower rate — monthly savings and break-even.

 New tool

Lease vs buy calculator

Same car, same term — which one costs less and what you own at the end.

 Quarterly data

Car sales tax by state

Average rates, doc fee caps, and trade-in rules for all 50 states.

Guides for smarter car financing

6 min read

Wisconsin Car Loan Calculator: Estimate Your Auto Payment

Use a Wisconsin car loan calculator to estimate monthly payments based on vehicle price, down payment, trade-in, APR and loan term.

6 min read

Maryland Car Loan Calculator: Estimate Your Monthly Payment

Estimate a Maryland auto loan payment using vehicle price, down payment, trade-in, APR and loan term.

6 min read

Missouri Car Loan Calculator: Estimate Monthly Car Payments

Calculate an estimated Missouri car payment using vehicle price, down payment, trade-in equity, APR and loan term.

6 min read

Indiana Car Loan Calculator: Estimate Your Auto Loan Payment

Estimate an Indiana vehicle loan payment using vehicle price, down payment, trade-in, APR, loan term and fees.