A free car payment calculator with a trade-in, what's still owed on it, sales tax and fees, over every loan length.
See your monthly car payment with a trade-in, what's still owed on it, sales tax and fees, over every loan length.
Your numbers
Most US states tax the price after your trade-in. Anything still owed on the old car is added to the new loan.
Your result
Fill in the fields above to see your result.
Embed this tool on your site
Paste the code into any page: WordPress, Webflow, Squarespace, Ghost or plain HTML. It's free with the credit under it, which links back to navid.me.
This free car payment calculator shows your monthly payment on a car loan, with a down payment, a trade-in, what you still owe on it, sales tax and fees, and the same car over every loan length.
It's also an auto loan calculator: Google treats the 2 as the same search, so it's 1 page here.
I built it because a dealer talks about the monthly payment, and the monthly payment hides the price. Seeing the total interest beside it, for every loan length, is what keeps a deal honest.
TL;DRKey takeaways
What is a car payment calculator?
A car payment calculator works out the monthly payment on a car loan. It starts from the price, takes off what you pay up front, adds tax and fees, and spreads the rest over the loan at its interest rate.
How to use the car payment calculator
You need the car's price, your rate and the loan's length.
Your numbers stay in your browser, and the link shares the same deal with someone else.
A worked example
Here's the example the calculator loads when you press Try an example.
A $35,000 car, $5,000 down, an $8,000 trade-in with $3,000 still owed on it, 7% sales tax and $800 in fees. Tax is on $27,000, the price after the trade-in, so it's $1,890.
That's $27,690 financed. At 6.5% for 60 months, the payment is $541.79.
- A month
- $848.67
- Interest
- $2,862.15
- A month
- $656.67
- Interest
- $3,830.02
- A month
- $541.79
- Interest
- $4,817.20
- A month
- $465.47
- Interest
- $5,823.62
- A month
- $411.18
- Interest
- $6,849.20
What changes your payment
These are the levers, from biggest to smallest.
The price
Every $1,000 off the price is about $20 a month off a 60-month loan at 6.5%. Agree the price before you talk about payments.
The loan's length
A longer loan lowers the payment and raises the interest. It also keeps you owing more than the car is worth for longer.
The rate
Get a pre-approval from your bank or credit union first. Then you know whether the dealer's rate is good.
Mistakes to avoid
These are the ways a car loan costs more than it should.
- Negotiating the monthly payment instead of the price
- Rolling negative equity from the old car into the new one
- Taking an 84-month loan to afford a dearer car
- Forgetting insurance, which often rises with a new car
The debt payoff calculator shows how fast the loan goes with extra payments.
Who is the car payment calculator for?
It's for anyone buying or leasing a car on credit, and these tools help with the rest.
- Loan calculator – for any other loan, with extra payments
- Debt payoff calculator – for clearing it with your other debts
- Gas trip calculator – for what the car costs to drive
- Percentage calculator – for a discount or a rate change
- Net worth tracker – for what the car does to your net worth
Agree the price first, then let the payment follow.
Plan your money with your AI
Take your numbers further in
Car Payment Calculator FAQs
Questions about the car payment calculator? Here's what to know.
A car payment calculator works out the monthly payment on a car loan.
This free one includes a trade-in, what's still owed on it, sales tax, fees, and every loan length side by side.
Work out the amount financed, then use the loan formula: payment = P × r ÷ (1 − (1 + r)^−n).
For $27,690 at 6.5% over 60 months, that's $541.79 a month.
Yes, they answer the same question.
Google treats them as 1 search, so it's 1 page here.
Most US states tax the price after the trade-in.
A few tax the full price, so check your state.
It's added to the new loan.
That's called rolling over negative equity when you owe more than the car is worth.
It lowers the payment but raises the interest.
In the example, 84 months costs $2,032 more in interest than 60 months.
A bigger down payment means less interest and less chance of owing more than the car is worth.
Put down what you can without emptying your emergency fund.
Yes, pick any of 158 currencies.
Sales tax rules differ by country, so type your own.
I did.
I'm Navid Moazzez, and I made the car payment calculator as one of my free tools on navid.me.
More about me.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.
Related calculators
More free tools
X
Bluesky
LinkedIn
Threads
Mastodon
Instagram
TikTok
Pinterest
YouTube
Related MCP servers & CLIs
Substack
Apple Podcasts
Free AI newsletterThe most actionable AI newsletter for founders
Every week, get proven AI strategies, curated tools, and step-by-step systems to grow your audience, create better content, and build a profitable creator business.
No fluff, no filler, no BS. Just five minutes each week that might level up your online business and life.
P.S. Sign up now to get free access to my ultimate AI tools guide for creators.
