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
$ 644 / month
Amount financed
$32,610
Total interest
$6,041
Total of payments
$38,651
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 (Washington 6.500%) $2,275.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,610
= Amount financed $32,610
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 $644/month on about $32,610 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 $644.18 $456.67 $187.51 $32,153.33
2 $644.18 $459.30 $184.88 $31,694.03
3 $644.18 $461.94 $182.24 $31,232.09
4 $644.18 $464.60 $179.58 $30,767.49
5 $644.18 $467.27 $176.91 $30,300.22
6 $644.18 $469.95 $174.23 $29,830.27
7 $644.18 $472.66 $171.52 $29,357.61
8 $644.18 $475.37 $168.81 $28,882.24
9 $644.18 $478.11 $166.07 $28,404.13
10 $644.18 $480.86 $163.32 $27,923.27
11 $644.18 $483.62 $160.56 $27,439.65
12 $644.18 $486.40 $157.78 $26,953.25
13 $644.18 $489.20 $154.98 $26,464.05
14 $644.18 $492.01 $152.17 $25,972.04
15 $644.18 $494.84 $149.34 $25,477.20
16 $644.18 $497.69 $146.49 $24,979.51
17 $644.18 $500.55 $143.63 $24,478.96
18 $644.18 $503.43 $140.75 $23,975.53
19 $644.18 $506.32 $137.86 $23,469.21
20 $644.18 $509.23 $134.95 $22,959.98
21 $644.18 $512.16 $132.02 $22,447.82
22 $644.18 $515.11 $129.07 $21,932.71
23 $644.18 $518.07 $126.11 $21,414.64
24 $644.18 $521.05 $123.13 $20,893.59
25 $644.18 $524.04 $120.14 $20,369.55
26 $644.18 $527.06 $117.12 $19,842.49
27 $644.18 $530.09 $114.09 $19,312.40
28 $644.18 $533.13 $111.05 $18,779.27
29 $644.18 $536.20 $107.98 $18,243.07
30 $644.18 $539.28 $104.90 $17,703.79
31 $644.18 $542.38 $101.80 $17,161.41
32 $644.18 $545.50 $98.68 $16,615.91
33 $644.18 $548.64 $95.54 $16,067.27
34 $644.18 $551.79 $92.39 $15,515.48
35 $644.18 $554.97 $89.21 $14,960.51
36 $644.18 $558.16 $86.02 $14,402.35
37 $644.18 $561.37 $82.81 $13,840.98
38 $644.18 $564.59 $79.59 $13,276.39
39 $644.18 $567.84 $76.34 $12,708.55
40 $644.18 $571.11 $73.07 $12,137.44
41 $644.18 $574.39 $69.79 $11,563.05
42 $644.18 $577.69 $66.49 $10,985.36
43 $644.18 $581.01 $63.17 $10,404.35
44 $644.18 $584.35 $59.83 $9,820.00
45 $644.18 $587.71 $56.47 $9,232.29
46 $644.18 $591.09 $53.09 $8,641.20
47 $644.18 $594.49 $49.69 $8,046.71
48 $644.18 $597.91 $46.27 $7,448.80
49 $644.18 $601.35 $42.83 $6,847.45
50 $644.18 $604.81 $39.37 $6,242.64
51 $644.18 $608.28 $35.90 $5,634.36
52 $644.18 $611.78 $32.40 $5,022.58
53 $644.18 $615.30 $28.88 $4,407.28
54 $644.18 $618.84 $25.34 $3,788.44
55 $644.18 $622.40 $21.78 $3,166.04
56 $644.18 $625.98 $18.20 $2,540.06
57 $644.18 $629.57 $14.61 $1,910.49
58 $644.18 $633.19 $10.99 $1,277.30
59 $644.18 $636.84 $7.34 $640.46
60 $644.14 $640.46 $3.68 $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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