justyourcalculatorAuto Loan Calculator
Your car payment with tax, fees and trade-in included, or the price your budget allows.
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Auto Loan Calculator
Car payment with tax, fees, trade-in and rebates
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How the auto loan calculator works
The loan amount is the price minus cash incentives, down payment and trade-in value, plus anything still owed on the trade-in. If you include taxes and fees in the loan, they're added too; otherwise they're paid upfront.
The monthly payment uses the standard amortization formula with the rate divided by 12. The Monthly payment tab runs it backwards to find the most you can pay for a car with a given monthly budget.
Sales tax is applied to the price minus the trade-in, the rule in most US states.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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