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
$ 646 / month
Amount financed
$32,707
Total interest
$6,059
Total of payments
$38,766
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 (Pennsylvania 6.000%) $2,100.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,707
= Amount financed $32,707
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 $646/month on about $32,707 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 $646.10 $458.03 $188.07 $32,248.97
2 $646.10 $460.67 $185.43 $31,788.30
3 $646.10 $463.32 $182.78 $31,324.98
4 $646.10 $465.98 $180.12 $30,859.00
5 $646.10 $468.66 $177.44 $30,390.34
6 $646.10 $471.36 $174.74 $29,918.98
7 $646.10 $474.07 $172.03 $29,444.91
8 $646.10 $476.79 $169.31 $28,968.12
9 $646.10 $479.53 $166.57 $28,488.59
10 $646.10 $482.29 $163.81 $28,006.30
11 $646.10 $485.06 $161.04 $27,521.24
12 $646.10 $487.85 $158.25 $27,033.39
13 $646.10 $490.66 $155.44 $26,542.73
14 $646.10 $493.48 $152.62 $26,049.25
15 $646.10 $496.32 $149.78 $25,552.93
16 $646.10 $499.17 $146.93 $25,053.76
17 $646.10 $502.04 $144.06 $24,551.72
18 $646.10 $504.93 $141.17 $24,046.79
19 $646.10 $507.83 $138.27 $23,538.96
20 $646.10 $510.75 $135.35 $23,028.21
21 $646.10 $513.69 $132.41 $22,514.52
22 $646.10 $516.64 $129.46 $21,997.88
23 $646.10 $519.61 $126.49 $21,478.27
24 $646.10 $522.60 $123.50 $20,955.67
25 $646.10 $525.60 $120.50 $20,430.07
26 $646.10 $528.63 $117.47 $19,901.44
27 $646.10 $531.67 $114.43 $19,369.77
28 $646.10 $534.72 $111.38 $18,835.05
29 $646.10 $537.80 $108.30 $18,297.25
30 $646.10 $540.89 $105.21 $17,756.36
31 $646.10 $544.00 $102.10 $17,212.36
32 $646.10 $547.13 $98.97 $16,665.23
33 $646.10 $550.27 $95.83 $16,114.96
34 $646.10 $553.44 $92.66 $15,561.52
35 $646.10 $556.62 $89.48 $15,004.90
36 $646.10 $559.82 $86.28 $14,445.08
37 $646.10 $563.04 $83.06 $13,882.04
38 $646.10 $566.28 $79.82 $13,315.76
39 $646.10 $569.53 $76.57 $12,746.23
40 $646.10 $572.81 $73.29 $12,173.42
41 $646.10 $576.10 $70.00 $11,597.32
42 $646.10 $579.42 $66.68 $11,017.90
43 $646.10 $582.75 $63.35 $10,435.15
44 $646.10 $586.10 $60.00 $9,849.05
45 $646.10 $589.47 $56.63 $9,259.58
46 $646.10 $592.86 $53.24 $8,666.72
47 $646.10 $596.27 $49.83 $8,070.45
48 $646.10 $599.69 $46.41 $7,470.76
49 $646.10 $603.14 $42.96 $6,867.62
50 $646.10 $606.61 $39.49 $6,261.01
51 $646.10 $610.10 $36.00 $5,650.91
52 $646.10 $613.61 $32.49 $5,037.30
53 $646.10 $617.14 $28.96 $4,420.16
54 $646.10 $620.68 $25.42 $3,799.48
55 $646.10 $624.25 $21.85 $3,175.23
56 $646.10 $627.84 $18.26 $2,547.39
57 $646.10 $631.45 $14.65 $1,915.94
58 $646.10 $635.08 $11.02 $1,280.86
59 $646.10 $638.74 $7.36 $642.12
60 $645.81 $642.12 $3.69 $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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