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
$ 601 / month
Amount financed
$30,420
Total interest
$5,635
Total of payments
$36,055
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 (Oregon 0.000%) $0.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $420
= Amount financed $30,420
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 $601/month on about $30,420 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 $600.92 $426.00 $174.92 $29,994.00
2 $600.92 $428.45 $172.47 $29,565.55
3 $600.92 $430.92 $170.00 $29,134.63
4 $600.92 $433.40 $167.52 $28,701.23
5 $600.92 $435.89 $165.03 $28,265.34
6 $600.92 $438.39 $162.53 $27,826.95
7 $600.92 $440.92 $160.00 $27,386.03
8 $600.92 $443.45 $157.47 $26,942.58
9 $600.92 $446.00 $154.92 $26,496.58
10 $600.92 $448.56 $152.36 $26,048.02
11 $600.92 $451.14 $149.78 $25,596.88
12 $600.92 $453.74 $147.18 $25,143.14
13 $600.92 $456.35 $144.57 $24,686.79
14 $600.92 $458.97 $141.95 $24,227.82
15 $600.92 $461.61 $139.31 $23,766.21
16 $600.92 $464.26 $136.66 $23,301.95
17 $600.92 $466.93 $133.99 $22,835.02
18 $600.92 $469.62 $131.30 $22,365.40
19 $600.92 $472.32 $128.60 $21,893.08
20 $600.92 $475.03 $125.89 $21,418.05
21 $600.92 $477.77 $123.15 $20,940.28
22 $600.92 $480.51 $120.41 $20,459.77
23 $600.92 $483.28 $117.64 $19,976.49
24 $600.92 $486.06 $114.86 $19,490.43
25 $600.92 $488.85 $112.07 $19,001.58
26 $600.92 $491.66 $109.26 $18,509.92
27 $600.92 $494.49 $106.43 $18,015.43
28 $600.92 $497.33 $103.59 $17,518.10
29 $600.92 $500.19 $100.73 $17,017.91
30 $600.92 $503.07 $97.85 $16,514.84
31 $600.92 $505.96 $94.96 $16,008.88
32 $600.92 $508.87 $92.05 $15,500.01
33 $600.92 $511.79 $89.13 $14,988.22
34 $600.92 $514.74 $86.18 $14,473.48
35 $600.92 $517.70 $83.22 $13,955.78
36 $600.92 $520.67 $80.25 $13,435.11
37 $600.92 $523.67 $77.25 $12,911.44
38 $600.92 $526.68 $74.24 $12,384.76
39 $600.92 $529.71 $71.21 $11,855.05
40 $600.92 $532.75 $68.17 $11,322.30
41 $600.92 $535.82 $65.10 $10,786.48
42 $600.92 $538.90 $62.02 $10,247.58
43 $600.92 $542.00 $58.92 $9,705.58
44 $600.92 $545.11 $55.81 $9,160.47
45 $600.92 $548.25 $52.67 $8,612.22
46 $600.92 $551.40 $49.52 $8,060.82
47 $600.92 $554.57 $46.35 $7,506.25
48 $600.92 $557.76 $43.16 $6,948.49
49 $600.92 $560.97 $39.95 $6,387.52
50 $600.92 $564.19 $36.73 $5,823.33
51 $600.92 $567.44 $33.48 $5,255.89
52 $600.92 $570.70 $30.22 $4,685.19
53 $600.92 $573.98 $26.94 $4,111.21
54 $600.92 $577.28 $23.64 $3,533.93
55 $600.92 $580.60 $20.32 $2,953.33
56 $600.92 $583.94 $16.98 $2,369.39
57 $600.92 $587.30 $13.62 $1,782.09
58 $600.92 $590.67 $10.25 $1,191.42
59 $600.92 $594.07 $6.85 $597.35
60 $600.78 $597.35 $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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