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Auto loan calculator

Auto loan calculator: monthly car payment with trade-in, amount owed, sales tax and fees, total interest, a payment schedule, or the price a budget buys.

更新于 已验证的示例：8

$
$
$
$
The payoff balance on the car you trade in. Any amount above the trade-in value is added to the new loan.
%
State plus local rate where the car is registered.
Varies by state. Texas taxes the price minus the trade-in allowance; California taxes the full price and gives no trade-in credit (Texas Comptroller, CDTFA, checked 2026).
$
Not taxed here. Some states tax the dealer documentation fee (California does); if yours does, add that fee to the price instead.
%
months
更多选项
$
Texas deducts manufacturer and dealer rebates passed to the buyer before tax; California taxes the price before the rebate (checked 2026).
= 2026-10-29
试一试
Monthly payment
$
Monthly payment: $558.99
小数位数：2；取最近值，等距时取偶数末位
Amount financed
$28,230.00
Sales tax
$2,030.00
Cash due at purchase
$4,000.00
Total interest
$5,309.27
Total of all payments
$33,539.27
Total cost of the car
$43,539.27
Last payment
Monday, 29 September 2031

Financing $28,230.00 at 7% for 60 months costs $558.99 a month, with the last payment in September 2031. Interest adds $5,309.27, so the car costs $43,539.27 in all, including $2,030.00 of sales tax and $1,200.00 of fees.

Total cost of the car

$43.5Kin total
Vehicle price80.4%Sales tax4.7%Fees2.8%利息12.2%

Loan balance

$0$10K$20K0204060Payment

Principal and interest paid each year

$0$2,000$4,000$6,000$8,000Y1Y2Y3Y4Y5
PrincipalInterest
Payment schedule 行数：60
No.Date还款额本金利息余额
1Thursday, 29 October 2026$558.99$394.31$164.68$27,835.69
2Sunday, 29 November 2026$558.99$396.61$162.37$27,439.07
3Tuesday, 29 December 2026$558.99$398.93$160.06$27,040.15
4Friday, 29 January 2027$558.99$401.25$157.73$26,638.89
5Sunday, 28 February 2027$558.99$403.59$155.39$26,235.30
6Monday, 29 March 2027$558.99$405.95$153.04$25,829.35
7Thursday, 29 April 2027$558.99$408.32$150.67$25,421.03
8Saturday, 29 May 2027$558.99$410.70$148.29$25,010.34
9Tuesday, 29 June 2027$558.99$413.09$145.89$24,597.24
10Thursday, 29 July 2027$558.99$415.50$143.48$24,181.74
11Sunday, 29 August 2027$558.99$417.93$141.06$23,763.81
12Wednesday, 29 September 2027$558.99$420.37$138.62$23,343.44
计算方法 S

  1. Sales tax

    tax=7%×(35,000−6,000)=2,030\text{tax} = 7\% \times (35{,}000 - 6{,}000) = 2{,}030

    The trade-in allowance is deducted before tax, as in Texas; California taxes the full price.

  2. Amount financed

    L=35,000−4,000−6,000+2,030+1,200=28,230L = 35{,}000 - 4{,}000 - 6{,}000 + 2{,}030 + 1{,}200 = 28{,}230

    Price, less the down payment, less the trade-in value, plus tax and fees carried in the loan.

  3. Monthly payment

    M=L r (1+r)60(1+r)60−1=558.99M = \frac{L\,r\,(1+r)^{60}}{(1+r)^{60}-1} = 558.99

    r = 7 ÷ 1,200 = 0.00583333 a month. Shown rounded to cents; the schedule uses the unrounded payment and the last payment clears any sub-cent residual.

  4. Total interest

    ∑payments−L=33,539.27−28,230=5,309.27\sum \text{payments} - L = 33{,}539.27 - 28{,}230 = 5{,}309.27

关于Auto loan calculator

The payment is worked out from the amount financed: the vehicle price minus the down payment, trade-in value and any rebate, plus whatever is still owed on the trade-in, plus sales tax and fees when they go into the loan. The monthly payment is L × r × (1 + r)^n ÷ ((1 + r)^n − 1), where L is the amount financed, r the APR ÷ 12 and n the number of months.

With the defaults, a 35,000 car with 4,000 down and a 6,000 trade-in, 7% sales tax on the 29,000 difference (2,030) and 1,200 of fees are rolled in, so 28,230 is financed. At 7% APR for 60 months the payment is 558.99 and interest totals 5,309.27. Paying the tax and fees upfront cuts the payment to 495.03 and saves 607.47 of interest.

Sales tax rules differ by state: whether a trade-in or rebate lowers the taxed price, and whether dealer fees are taxed. The schedule assumes a fixed rate and equal monthly payments, with no add-ons such as GAP cover or a service contract.

计算示例

50,000 car, 10,000 down, tax and fees paid upfront

Calculate
Monthly payment
Vehicle price
50,000
首付款
10,000
Trade-in value
0
Amount owed on trade-in
0
Sales tax rate
7%
Title, registration and dealer fees
2000
Sales tax and fees
Pay upfront
Interest rate (APR)
5%
Loan term
60 months
Cash rebate or incentive
0
Monthly payment
754.85
Amount financed
40,000.00
Sales tax
3,500.00
Cash due at purchase
15,500.00
Total interest
5,290.96
Total cost of the car
60,790.96

核验来源：Calculator.net auto loan calculator, published output for these inputs (fetched 2026-09-26): 754.85 a month, 5,290.96 interest, 60,790.96 total cost

Texas: trade-in deducted before tax

Calculate
Monthly payment
Vehicle price
25,000
首付款
0
Trade-in value
10,000
Amount owed on trade-in
0
Sales tax rate
6.25%
Trade-in lowers the taxed price
是
Title, registration and dealer fees
0
Sales tax and fees
Add to the loan
Interest rate (APR)
6%
Loan term
48 months
Cash rebate or incentive
0
Sales tax
937.50
Amount financed
15,937.50
Monthly payment
374.29
Total interest
2,028.55

核验来源：Texas Comptroller example (25,000 vehicle, 10,000 trade-in: tax due on 15,000) × 6.25%; payment and interest from Python decimal annuity formula

California: no trade-in tax credit

Calculate
Monthly payment
Vehicle price
25,000
首付款
0
Trade-in value
10,000
Amount owed on trade-in
0
Sales tax rate
7.25%
Trade-in lowers the taxed price
否
Title, registration and dealer fees
0
Sales tax and fees
Add to the loan
Interest rate (APR)
6%
Loan term
48 months
Cash rebate or incentive
0
Sales tax
1,812.50
Amount financed
16,812.50
Monthly payment
394.84
Total interest
2,139.92

核验来源：CDTFA: the trade-in allowance is not deducted, so 7.25% of 25,000; payment from Python decimal annuity formula

Negative equity: owe 11,000 on an 8,000 trade-in

Calculate
Monthly payment
Vehicle price
30,000
首付款
2000
Trade-in value
8000
Amount owed on trade-in
11,000
Sales tax rate
6%
Trade-in lowers the taxed price
是
Title, registration and dealer fees
800
Sales tax and fees
Add to the loan
Interest rate (APR)
8.5%
Loan term
72 months
Cash rebate or incentive
0
Negative equity added to the loan
3,000.00
Sales tax
1,320.00
Amount financed
33,120.00
Monthly payment
588.82
Total interest
9,275.05
Total cost of the car
41,395.05

核验来源：Python decimal: 30,000 − 2,000 − 8,000 + 11,000 + 6% × 22,000 + 800 = 33,120; annuity payment at 8.5%/12 over 72 months

常见问题

How is a car payment calculated?

Find the amount financed, then apply the loan payment formula with the monthly rate. A 35,000 car with 4,000 down, a 6,000 trade-in, 2,030 of sales tax and 1,200 of fees in the loan leaves 28,230 to finance. At 7% APR over 60 months, r = 7 ÷ 1,200 and the payment is 558.99. Excel's =PMT(7%/12, 60, -28230) returns the same figure.

Does a trade-in reduce the sales tax on a car?

In many states it does. Texas charges its 6.25% motor vehicle tax on the price minus the trade-in allowance, so a 25,000 car with a 10,000 trade-in is taxed on 15,000: 937.50 (Texas Comptroller). California gives no trade-in credit: the full 25,000 is taxed, 1,812.50 at the 7.25% statewide rate (CDTFA). Set the toggle to match your state.

What happens if I owe more on my trade-in than it is worth?

The difference, called negative equity, is added to the new loan. Owing 11,000 on a car worth 8,000 adds 3,000. On a 30,000 car with 2,000 down, 6% tax on the 22,000 after the trade-in and 800 of fees, 33,120 is financed; at 8.5% for 72 months that is 588.82 a month and 9,275.05 of interest. The tax credit is based on the trade-in's value, not your equity in it.

How much car can I afford with a 500 monthly payment?

At 6% APR for 60 months, 500 a month repays a loan of 25,862.78. With 3,000 down, 7% sales tax and 1,000 of fees carried in the loan, that buys a car priced up to 26,039.98. Choose "Price I can afford" and enter your own budget, rate and term to run the numbers backward.

Is a 72- or 84-month car loan a good idea?

A longer term lowers the payment but raises the interest. Financing the default 28,230 at 7% costs 558.99 a month and 5,309.27 of interest over 60 months, 481.29 and 6,423.13 over 72 months, and 426.07 and 7,559.57 over 84 months, at the same rate.

“Auto loan calculator”有多准确？

准确性取决于输入值和方法的假设。十进制运算使用50位有效数字，但估算、数值方法和源数据的精度可能较低；显示时的舍入并不能消除这些限制。 已按独立来源核验的计算示例：8。 例如，“50,000 car, 10,000 down, tax and fees paid upfront”根据Calculator.net auto loan calculator, published output for these inputs (fetched 2026-09-26): 754.85 a month, 5,290.96 interest, 60,790.96 total cost进行核验。

这种方法出自哪里？

Texas Comptroller — Motor vehicle sales and use tax (6.25% of sales price minus trade-in allowance); Texas Comptroller — Motor vehicle tax guide: total consideration and rebates; California Department of Tax and Fee Administration — Tax guide for motor vehicle dealers (trade-ins, rebates, fees); Consumer Financial Protection Bureau — Auto loans: what to know before you buy; Microsoft Excel PMT and PV functions.

关于此计算器

L=P−R−D−(V−O)+t (P−V−R)⏟sales tax+F,M=L r (1+r)n(1+r)n−1L = P - R - D - (V - O) + \underbrace{t\,(P - V - R)}_{\text{sales tax}} + F,\qquad M = \frac{L\,r\,(1+r)^n}{(1+r)^n - 1}

来源

  1. Texas Comptroller — Motor vehicle sales and use tax (6.25% of sales price minus trade-in allowance)
  2. Texas Comptroller — Motor vehicle tax guide: total consideration and rebates
  3. California Department of Tax and Fee Administration — Tax guide for motor vehicle dealers (trade-ins, rebates, fees)
  4. Consumer Financial Protection Bureau — Auto loans: what to know before you buy
  5. Microsoft Excel PMT and PV functions

仅用于规划。贷款机构、税务机关和市场采用各自的舍入方式、费用和规则；作出承诺前，请向相关机构确认数值。

已对照来源验证

此计算器包含 8 个已解示例，答案来自独立来源。这些示例会在测试套件中运行，你也可以在此运行验证。

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