Auto Loan Calculator – Free Online Tool
Estimate car payments with vehicle price, down payment, trade-in, sales tax or VAT, fees, APR, loan term, extra payments, and amortization CSV.
Car Payment Calculator With Tax, Fees, and Trade-In
The Auto Loan Calculator estimates monthly car payments using vehicle price, sales tax or VAT, dealer fees, trade-in value, down payment, APR, and loan term.
Compare New, Used, Low APR, and Fast Payoff Scenarios
Use presets to compare common auto financing situations, then adjust APR, term, down payment, or extra payments to see how the loan changes.
Understand the Total Cost of a Car Loan
Monthly payment is only part of the decision. The calculator also shows financed amount, total interest, sales tax or VAT, total paid, and an amortization CSV.
Private Auto Loan Planning
All calculations run in your browser. You can compare vehicle financing scenarios without creating an account or uploading personal data.
Frequently Asked Questions
Everything you need to know about the Auto Loan Calculator.
Does this auto loan calculator include sales tax or VAT?
Yes. Enter a sales tax or VAT percentage and the calculator estimates the tax based on vehicle price minus trade-in value.
Can I include dealer fees?
Yes. Add estimated registration, documentation, and dealer fees to include them in the financed amount.
Does trade-in reduce the loan amount?
Yes. Trade-in value is subtracted along with down payment when estimating the loan amount.
Can I export an auto loan schedule?
Yes. Download a CSV amortization schedule with monthly payment, principal, interest, and balance.
Are these exact lender numbers?
No. This is an estimate. Actual lender offers can include different taxes, fees, rebates, credit terms, and insurance products.