Estimate your monthly car payment with down payment, trade-in value, sales tax, and fees built in.
Sales tax and fees are added before the down payment is applied — the order most dealers actually use.
Dealers love to negotiate around the monthly payment instead of the total cost. This calculator strips that game away. Enter the vehicle price, your down payment and trade-in, the sales tax in your state, and any dealer fees, then see the financed amount, monthly payment, and total interest before you sit down at the F&I desk.
Financed amount = Vehicle price + Sales tax + Fees − Down payment − Trade-in. Monthly payment uses the standard amortization formula at the loan's APR over the term.
A $32,000 vehicle with 7% sales tax, $500 in dealer fees, a $4,000 down payment, and a $3,500 trade-in finances $27,240. At 7.5% over 60 months, the payment is about $546 and total interest is roughly $5,531.
Estimate the monthly payment, total interest, and total cost of a personal loan at any rate and term.
Compare two loan offers side by side — monthly payment, total interest, total cost including fees, and effective APR.
Calculate the true APR of a loan when origination fees, points, and other financed costs are included — the number that actually compares two offers.
Calculate simple interest, total repayment, and the equivalent monthly payment using the I = P × r × t formula common with auto and short-term loans.
It's a useful target. A larger down payment reduces interest and the chance of going underwater if the car depreciates faster than you pay it off.
Often yes, especially if you bring a competing offer from a credit union or bank.
No — insurance varies by driver, vehicle, and state. Get a quote separately and budget for it.
This calculator is for educational and estimation purposes only. It does not provide financial, mortgage, tax, investment, or legal advice. Actual rates, payments, taxes, fees, insurance costs, eligibility, and loan terms vary by lender, location, credit profile, and market conditions. Always compare official offers and consult a qualified professional before making financial decisions.
Last updated June 2026 · Prepared by the mCalculator Editorial Team