Car loan calculator
Calculate car payments with down payment, trade-in, outstanding finance, quoted tax and fees.
Your scenario
Method and exclusions
Amount financed = vehicle price + quoted sales tax + financed fees + trade-in debt minus down payment and trade-in value. Apply fixed monthly amortization. Tax amount must come from your quote; local trade-in tax treatment is not inferred. No lease, balloon or variable rate model.
Supporting guidance: CFPB auto affordability guidance (new tab). Guidance checked 28 October 2026; the arithmetic model remains our stated approximation.
How to use the result
Run a baseline, then change one assumption at a time. Compare the total cost or balance as well as the monthly amount. Keep excluded taxes, fees and product features on a separate checklist. Confirm decisions against actual provider documents.