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
$ 635 / month
Amount financed
$32,163
Total interest
$5,958
Total of payments
$38,120
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 (Utah 4.850%) $1,697.50
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,163
= Amount financed $32,163
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 $635/month on about $32,163 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 $635.34 $450.41 $184.93 $31,712.09
2 $635.34 $453.00 $182.34 $31,259.09
3 $635.34 $455.60 $179.74 $30,803.49
4 $635.34 $458.22 $177.12 $30,345.27
5 $635.34 $460.85 $174.49 $29,884.42
6 $635.34 $463.50 $171.84 $29,420.92
7 $635.34 $466.17 $169.17 $28,954.75
8 $635.34 $468.85 $166.49 $28,485.90
9 $635.34 $471.55 $163.79 $28,014.35
10 $635.34 $474.26 $161.08 $27,540.09
11 $635.34 $476.98 $158.36 $27,063.11
12 $635.34 $479.73 $155.61 $26,583.38
13 $635.34 $482.49 $152.85 $26,100.89
14 $635.34 $485.26 $150.08 $25,615.63
15 $635.34 $488.05 $147.29 $25,127.58
16 $635.34 $490.86 $144.48 $24,636.72
17 $635.34 $493.68 $141.66 $24,143.04
18 $635.34 $496.52 $138.82 $23,646.52
19 $635.34 $499.37 $135.97 $23,147.15
20 $635.34 $502.24 $133.10 $22,644.91
21 $635.34 $505.13 $130.21 $22,139.78
22 $635.34 $508.04 $127.30 $21,631.74
23 $635.34 $510.96 $124.38 $21,120.78
24 $635.34 $513.90 $121.44 $20,606.88
25 $635.34 $516.85 $118.49 $20,090.03
26 $635.34 $519.82 $115.52 $19,570.21
27 $635.34 $522.81 $112.53 $19,047.40
28 $635.34 $525.82 $109.52 $18,521.58
29 $635.34 $528.84 $106.50 $17,992.74
30 $635.34 $531.88 $103.46 $17,460.86
31 $635.34 $534.94 $100.40 $16,925.92
32 $635.34 $538.02 $97.32 $16,387.90
33 $635.34 $541.11 $94.23 $15,846.79
34 $635.34 $544.22 $91.12 $15,302.57
35 $635.34 $547.35 $87.99 $14,755.22
36 $635.34 $550.50 $84.84 $14,204.72
37 $635.34 $553.66 $81.68 $13,651.06
38 $635.34 $556.85 $78.49 $13,094.21
39 $635.34 $560.05 $75.29 $12,534.16
40 $635.34 $563.27 $72.07 $11,970.89
41 $635.34 $566.51 $68.83 $11,404.38
42 $635.34 $569.76 $65.58 $10,834.62
43 $635.34 $573.04 $62.30 $10,261.58
44 $635.34 $576.34 $59.00 $9,685.24
45 $635.34 $579.65 $55.69 $9,105.59
46 $635.34 $582.98 $52.36 $8,522.61
47 $635.34 $586.33 $49.01 $7,936.28
48 $635.34 $589.71 $45.63 $7,346.57
49 $635.34 $593.10 $42.24 $6,753.47
50 $635.34 $596.51 $38.83 $6,156.96
51 $635.34 $599.94 $35.40 $5,557.02
52 $635.34 $603.39 $31.95 $4,953.63
53 $635.34 $606.86 $28.48 $4,346.77
54 $635.34 $610.35 $24.99 $3,736.42
55 $635.34 $613.86 $21.48 $3,122.56
56 $635.34 $617.39 $17.95 $2,505.17
57 $635.34 $620.94 $14.40 $1,884.23
58 $635.34 $624.51 $10.83 $1,259.72
59 $635.34 $628.10 $7.24 $631.62
60 $635.25 $631.62 $3.63 $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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