About the Car Payment Calculator
Find out what a car really costs per month. Beyond price and APR, the calculator handles sales tax (with the trade-in tax credit most states allow), title and registration fees, your down payment, and any amount you still owe on a trade-in that gets rolled into the new loan.
How to use it
- Enter price, down payment and trade-in details.
- Add sales tax, fees, APR and term.
- Compare monthly payment and total cost across terms.
Good to know
- Results are estimates for planning purposes and not financial, tax or legal advice. Lenders and tax authorities may calculate differently.
- Long terms (72–84 months) lower the payment but increase total interest and the risk of owing more than the car is worth.