About CarLoanCalc

CarLoanCalc is a free calculator built to answer one question clearly: what will this car actually cost me per month? Dealership worksheets bundle a lot into that number — sales tax, doc fees, title and registration, trade-in equity — and it's easy to lose track of how each piece moves your payment.

How the math works

The calculator uses the standard loan amortization formula that banks and dealership finance desks use, applied to the amount actually financed after your down payment, trade-in equity, and (optionally) rolled-in taxes and fees. Sales tax and average fee estimates are pulled from state-level reference data covering all 50 states plus D.C.

What it isn't

This is a planning tool, not a loan offer, pre-approval, or financial advice. Your actual APR depends on your credit profile and lender, and your exact state or county fees may differ slightly from the averages used here. Always confirm final numbers with your lender or dealership before signing.

No signup, no data games

You don't need an account to use the calculator, and it doesn't ask for your name, email, or any personal or financial identifying information. See the Privacy Policy for details on the limited, anonymous usage data the site collects.