Car loan calculator

Find the monthly payment on a car loan and what the car actually costs once interest, sales tax, fees and your trade-in are counted. No lead form and no email gate.

Nothing is sent, and nothing is sold

Work out the payment and the real cost

Every figure below stays in this browser. There is no email step, no credit check and no dealer at the end of it.

Vehicle price

The agreed price before tax and fees.

Down payment

Cash you put in. Leave it at zero if there is none.

Trade-in allowance

What the dealer is giving you for the old car.

Sales tax rate

Your own state and local combined rate.

Fees and add-ons

Title, registration, documentation, anything rolled into the loan.

APR

Zero is a real answer here; manufacturer 0% financing is handled.

Term

In months. 36, 48, 60, 72 and 84 are the usual ones.

The answer

The fields already hold a worked example. Press Work out the cost and the answer appears here — computed in this browser, with every assumption it made listed underneath.

This calculator needs JavaScript, because the arithmetic runs in your browser rather than on a server. Every formula it uses is written out on the how it works page, so it can be done by hand.

The arithmetic behind this page is written out on how this site works, so you can check it by hand.