Car Loan Calculator - Monthly Payment with Down Payment, Trade-In & Tax
Estimate your monthly auto-loan payment including sales tax, down payment, and trade-in value
How it works
- 1Enter vehicle price
The negotiated purchase price before tax.
- 2Enter down payment & trade-in
Your cash down and the credit your dealer gives for a trade-in vehicle.
- 3Enter tax, APR, and term
Sales-tax rate, annual APR from your lender, and total loan term in months.
About Car Loan Calculator - Monthly Payment with Down Payment, Trade-In & Tax
Free car loan calculator. Enter vehicle price, down payment, trade-in value, sales-tax rate, APR, and term in months to see the amount financed, monthly payment, total interest, and total cost. Perfect for comparing dealer offers or planning your monthly budget. Runs entirely in your browser. Car Loan Calculator - Monthly Payment with Down Payment, Trade-In & Tax on 712 Tools runs entirely inside your browser using modern JavaScript APIs - no server ever sees your data. That means instant results, complete privacy, and no upload limits.
Whether you need to estimate your monthly auto-loan payment including sales tax, down payment, and trade-in value for a debugging session, a quick sanity check, or a production incident, this tool is free to use as many times as you need. There are no watermarks, no sign-up, and no ads inside the tool itself.
Frequently asked questions
How is sales tax applied?
The tool taxes the full vehicle price. In some jurisdictions tax is applied only to price minus trade-in - adjust your rate or price accordingly.
How is monthly payment calculated?
Standard amortized loan formula: M = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P = amount financed, r = APR ÷ 12, n = months.
Is my data uploaded?
No. All calculations run entirely in your browser.
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