Auto loan calculator
Include down payment, trade-in, tax, fees, rate and term in one estimate.
How to use
- 1Enter vehicle price, down payment, trade-in, APR, tax, fees and months.
About
Uses fixed amortization and subtracts trade-in from the taxable price.
Auto loan calculator
Estimate a car payment and total financing cost with down payment, trade-in, sales tax and fees.
Payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1], where P is principal, r is the periodic rate and n is the number of payments.
Yes. The estimate subtracts the trade-in from the taxable price and financed principal.
Calculations run locally in your browser; entered financial values are not sent to a server.
Practical example
- An $80,000 vehicle with $20,000 down, 9% annual APR and 48 months produces an estimated fixed payment.
Limitations and notes
- Use positive rates, terms and amounts. Results are estimates and do not include lender-specific rules or fees.
How to use
- 1Enter vehicle price, down payment and trade-in.
- 2Add APR, sales tax, fees and term.
- 3Review payment, interest and total cost.
Frequently asked questions
Does a trade-in reduce the loan?
Yes. The estimate subtracts the trade-in from the taxable price and financed principal.
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