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
$ 636 / month
Amount financed
$32,194
Total interest
$5,964
Total of payments
$38,158
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 (Wisconsin 5.000%) $1,750.00
Taxable amount $35,000.00
Trade-in tax credit $0.00
+ Doc, title & registration fees $2,194
= Amount financed $32,194
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 $636/month on about $32,194 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 $635.96 $450.84 $185.12 $31,743.16
2 $635.96 $453.44 $182.52 $31,289.72
3 $635.96 $456.04 $179.92 $30,833.68
4 $635.96 $458.67 $177.29 $30,375.01
5 $635.96 $461.30 $174.66 $29,913.71
6 $635.96 $463.96 $172.00 $29,449.75
7 $635.96 $466.62 $169.34 $28,983.13
8 $635.96 $469.31 $166.65 $28,513.82
9 $635.96 $472.01 $163.95 $28,041.81
10 $635.96 $474.72 $161.24 $27,567.09
11 $635.96 $477.45 $158.51 $27,089.64
12 $635.96 $480.19 $155.77 $26,609.45
13 $635.96 $482.96 $153.00 $26,126.49
14 $635.96 $485.73 $150.23 $25,640.76
15 $635.96 $488.53 $147.43 $25,152.23
16 $635.96 $491.33 $144.63 $24,660.90
17 $635.96 $494.16 $141.80 $24,166.74
18 $635.96 $497.00 $138.96 $23,669.74
19 $635.96 $499.86 $136.10 $23,169.88
20 $635.96 $502.73 $133.23 $22,667.15
21 $635.96 $505.62 $130.34 $22,161.53
22 $635.96 $508.53 $127.43 $21,653.00
23 $635.96 $511.46 $124.50 $21,141.54
24 $635.96 $514.40 $121.56 $20,627.14
25 $635.96 $517.35 $118.61 $20,109.79
26 $635.96 $520.33 $115.63 $19,589.46
27 $635.96 $523.32 $112.64 $19,066.14
28 $635.96 $526.33 $109.63 $18,539.81
29 $635.96 $529.36 $106.60 $18,010.45
30 $635.96 $532.40 $103.56 $17,478.05
31 $635.96 $535.46 $100.50 $16,942.59
32 $635.96 $538.54 $97.42 $16,404.05
33 $635.96 $541.64 $94.32 $15,862.41
34 $635.96 $544.75 $91.21 $15,317.66
35 $635.96 $547.88 $88.08 $14,769.78
36 $635.96 $551.03 $84.93 $14,218.75
37 $635.96 $554.20 $81.76 $13,664.55
38 $635.96 $557.39 $78.57 $13,107.16
39 $635.96 $560.59 $75.37 $12,546.57
40 $635.96 $563.82 $72.14 $11,982.75
41 $635.96 $567.06 $68.90 $11,415.69
42 $635.96 $570.32 $65.64 $10,845.37
43 $635.96 $573.60 $62.36 $10,271.77
44 $635.96 $576.90 $59.06 $9,694.87
45 $635.96 $580.21 $55.75 $9,114.66
46 $635.96 $583.55 $52.41 $8,531.11
47 $635.96 $586.91 $49.05 $7,944.20
48 $635.96 $590.28 $45.68 $7,353.92
49 $635.96 $593.67 $42.29 $6,760.25
50 $635.96 $597.09 $38.87 $6,163.16
51 $635.96 $600.52 $35.44 $5,562.64
52 $635.96 $603.97 $31.99 $4,958.67
53 $635.96 $607.45 $28.51 $4,351.22
54 $635.96 $610.94 $25.02 $3,740.28
55 $635.96 $614.45 $21.51 $3,125.83
56 $635.96 $617.99 $17.97 $2,507.84
57 $635.96 $621.54 $14.42 $1,886.30
58 $635.96 $625.11 $10.85 $1,261.19
59 $635.96 $628.71 $7.25 $632.48
60 $636.12 $632.48 $3.64 $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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