Auto Loan Calculator — Car Payment & Total Cost
Reviewed 2026-06-03 · FinCalc Hub Editorial
A car's sticker price isn't the whole story — sales tax, your down payment, and trade-in all change what you finance. Enter the details to see your real monthly payment and total interest.
Monthly payment$650.23
Amount financed$32,450
Sales tax$2,450
Total interest$6,564
Estimate only. Fees and dealer add-ons vary by state.
Frequently asked questions
- Does a trade-in lower my sales tax?
- In many states, yes — sales tax is charged on the price after the trade-in value. This calculator applies tax to the post-trade amount.
- How does loan term affect cost?
- Longer terms lower the monthly payment but increase total interest paid. A larger down payment reduces both.