Auto Loan Calculator
Estimate a monthly auto loan payment after down payment, trade-in, sales tax and fees.
Enter your values and press Calculate.
Planning estimate only. Replace sample values with figures that match your situation.
How this calculator works
Estimate a monthly auto loan payment after down payment, trade-in, sales tax and fees. It uses the values you enter and shows the main components separately so you can review the estimate rather than relying on one unexplained number.
Formula
A $35,000 vehicle with 7% tax, $700 fees and $5,000 down finances approximately $33,150 before any trade-in.
How to improve the estimate
- Compare the out-the-door price, not only the monthly payment.
- A longer term lowers the payment but usually increases total interest.
- Confirm whether sales tax applies before or after trade-in in your state.
Understanding the result
The result is for comparison and planning. Actual bills, lender calculations, taxes, fees, employment rules or contract terms may differ. Verify important decisions with the relevant provider, lender, employer, tax authority or other authoritative source.
Frequently asked questions
Does this include sales tax?
Yes. The entered tax percentage is applied to the vehicle price for a planning estimate.
Can I include a trade-in?
Yes. Enter its net value after any loan payoff still owed on the trade.
Why is the dealer payment different?
Dealer products, taxes, fees, timing and lender calculations can change the final contract payment.
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Added in CostMeter V1.5 • September 2026