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Car buying calculator

See the full cost of an auto loan—not just the payment.

Model taxes, fees, trade-in equity, APR and extra payments with a complete month-by-month schedule.

Standard monthly amortizationExtra-payment payoff timingDownloadable schedule
Editable assumptions

Your modeled auto loan

Estimated monthly payment$651.55
Amount financed$33,300.00
Total interest$5,793.25
Total loan payments$39,093.25
Payoff date2031-11-21
Interest saved by extra payments$0.00
PrincipalInterest
View 61-month amortization schedule
MonthPaymentPrincipalInterestBalance
1$651.55$471.17$180.38$32,828.83
2$651.55$473.73$177.82$32,355.10
3$651.55$476.29$175.26$31,878.81
4$651.55$478.87$172.68$31,399.94
5$651.55$481.47$170.08$30,918.47
6$651.55$484.07$167.48$30,434.40
7$651.55$486.70$164.85$29,947.70
8$651.55$489.33$162.22$29,458.37
9$651.55$491.98$159.57$28,966.39
10$651.55$494.65$156.90$28,471.74
11$651.55$497.33$154.22$27,974.41
12$651.55$500.02$151.53$27,474.39
13$651.55$502.73$148.82$26,971.66
14$651.55$505.45$146.10$26,466.21
15$651.55$508.19$143.36$25,958.02
16$651.55$510.94$140.61$25,447.08
17$651.55$513.71$137.84$24,933.37
18$651.55$516.49$135.06$24,416.88
19$651.55$519.29$132.26$23,897.59
20$651.55$522.10$129.45$23,375.49
21$651.55$524.93$126.62$22,850.56
22$651.55$527.78$123.77$22,322.78
23$651.55$530.63$120.92$21,792.15
24$651.55$533.51$118.04$21,258.64
25$651.55$536.40$115.15$20,722.24
26$651.55$539.30$112.25$20,182.94
27$651.55$542.23$109.32$19,640.71
28$651.55$545.16$106.39$19,095.55
29$651.55$548.12$103.43$18,547.43
30$651.55$551.08$100.47$17,996.35
31$651.55$554.07$97.48$17,442.28
32$651.55$557.07$94.48$16,885.21
33$651.55$560.09$91.46$16,325.12
34$651.55$563.12$88.43$15,762.00
35$651.55$566.17$85.38$15,195.83
36$651.55$569.24$82.31$14,626.59
37$651.55$572.32$79.23$14,054.27
38$651.55$575.42$76.13$13,478.85
39$651.55$578.54$73.01$12,900.31
40$651.55$581.67$69.88$12,318.64
41$651.55$584.82$66.73$11,733.82
42$651.55$587.99$63.56$11,145.83
43$651.55$591.18$60.37$10,554.65
44$651.55$594.38$57.17$9,960.27
45$651.55$597.60$53.95$9,362.67
46$651.55$600.84$50.71$8,761.83
47$651.55$604.09$47.46$8,157.74
48$651.55$607.36$44.19$7,550.38
49$651.55$610.65$40.90$6,939.73
50$651.55$613.96$37.59$6,325.77
51$651.55$617.29$34.26$5,708.48
52$651.55$620.63$30.92$5,087.85
53$651.55$623.99$27.56$4,463.86
54$651.55$627.37$24.18$3,836.49
55$651.55$630.77$20.78$3,205.72
56$651.55$634.19$17.36$2,571.53
57$651.55$637.62$13.93$1,933.91
58$651.55$641.07$10.48$1,292.84
59$651.55$644.55$7.00$648.29
60$651.55$648.04$3.51$0.25
61$0.25$0.25$0.00$0.00
Results update from your inputs and remain in this browser. They are estimates, not a quote.
Calculation guide

How the car payment is calculated

The amount financed starts with the vehicle price, estimated tax and itemized fees, then accounts for your down payment and positive or negative trade equity. At a nonzero APR, the monthly payment uses the standard fixed-rate amortization formula.

Example

A $35,000 vehicle with $5,000 down, a 7% tax assumption, $850 in fees and a 6.5% APR over 60 months produces an illustrative payment and amortization schedule above. Change any field to use your actual written offer.

Results are planning estimates, not a lender quote. A lender may calculate fees, daily interest, timing and eligibility differently.