Auto loan calculator.
Include down payment, trade-in credit, purchase tax and financed fees.
Auto loan inputs
Vehicle tax uses your taxable purchase amount; trade-in tax rules vary. Fees are financed. Insurance, fuel, maintenance and registration renewals are excluded.
View detailed breakdown
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $540.57 | $381.32 | $159.25 | $26,918.68 |
| 2 | $540.57 | $383.55 | $157.03 | $26,535.13 |
| 3 | $540.57 | $385.78 | $154.79 | $26,149.35 |
| 4 | $540.57 | $388.03 | $152.54 | $25,761.31 |
| 5 | $540.57 | $390.30 | $150.27 | $25,371.01 |
| 6 | $540.57 | $392.58 | $148.00 | $24,978.44 |
| 7 | $540.57 | $394.87 | $145.71 | $24,583.57 |
| 8 | $540.57 | $397.17 | $143.40 | $24,186.40 |
| 9 | $540.57 | $399.49 | $141.09 | $23,786.92 |
| 10 | $540.57 | $401.82 | $138.76 | $23,385.10 |
| 11 | $540.57 | $404.16 | $136.41 | $22,980.94 |
| 12 | $540.57 | $406.52 | $134.06 | $22,574.43 |
| 13 | $540.57 | $408.89 | $131.68 | $22,165.54 |
| 14 | $540.57 | $411.27 | $129.30 | $21,754.26 |
| 15 | $540.57 | $413.67 | $126.90 | $21,340.59 |
| 16 | $540.57 | $416.09 | $124.49 | $20,924.50 |
| 17 | $540.57 | $418.51 | $122.06 | $20,505.99 |
| 18 | $540.57 | $420.95 | $119.62 | $20,085.04 |
| 19 | $540.57 | $423.41 | $117.16 | $19,661.63 |
| 20 | $540.57 | $425.88 | $114.69 | $19,235.75 |
| 21 | $540.57 | $428.36 | $112.21 | $18,807.38 |
| 22 | $540.57 | $430.86 | $109.71 | $18,376.52 |
| 23 | $540.57 | $433.38 | $107.20 | $17,943.14 |
| 24 | $540.57 | $435.90 | $104.67 | $17,507.24 |
| 25 | $540.57 | $438.45 | $102.13 | $17,068.79 |
| 26 | $540.57 | $441.00 | $99.57 | $16,627.79 |
| 27 | $540.57 | $443.58 | $97.00 | $16,184.21 |
| 28 | $540.57 | $446.16 | $94.41 | $15,738.05 |
| 29 | $540.57 | $448.77 | $91.81 | $15,289.28 |
| 30 | $540.57 | $451.39 | $89.19 | $14,837.89 |
| 31 | $540.57 | $454.02 | $86.55 | $14,383.87 |
| 32 | $540.57 | $456.67 | $83.91 | $13,927.21 |
| 33 | $540.57 | $459.33 | $81.24 | $13,467.88 |
| 34 | $540.57 | $462.01 | $78.56 | $13,005.87 |
| 35 | $540.57 | $464.71 | $75.87 | $12,541.16 |
| 36 | $540.57 | $467.42 | $73.16 | $12,073.75 |
| 37 | $540.57 | $470.14 | $70.43 | $11,603.60 |
| 38 | $540.57 | $472.89 | $67.69 | $11,130.72 |
| 39 | $540.57 | $475.64 | $64.93 | $10,655.07 |
| 40 | $540.57 | $478.42 | $62.15 | $10,176.66 |
| 41 | $540.57 | $481.21 | $59.36 | $9,695.45 |
| 42 | $540.57 | $484.02 | $56.56 | $9,211.43 |
| 43 | $540.57 | $486.84 | $53.73 | $8,724.59 |
| 44 | $540.57 | $489.68 | $50.89 | $8,234.91 |
| 45 | $540.57 | $492.54 | $48.04 | $7,742.38 |
| 46 | $540.57 | $495.41 | $45.16 | $7,246.97 |
| 47 | $540.57 | $498.30 | $42.27 | $6,748.67 |
| 48 | $540.57 | $501.21 | $39.37 | $6,247.46 |
| 49 | $540.57 | $504.13 | $36.44 | $5,743.33 |
| 50 | $540.57 | $507.07 | $33.50 | $5,236.26 |
| 51 | $540.57 | $510.03 | $30.54 | $4,726.24 |
| 52 | $540.57 | $513.00 | $27.57 | $4,213.23 |
| 53 | $540.57 | $516.00 | $24.58 | $3,697.24 |
| 54 | $540.57 | $519.01 | $21.57 | $3,178.23 |
| 55 | $540.57 | $522.03 | $18.54 | $2,656.20 |
| 56 | $540.57 | $525.08 | $15.49 | $2,131.12 |
| 57 | $540.57 | $528.14 | $12.43 | $1,602.98 |
| 58 | $540.57 | $531.22 | $9.35 | $1,071.76 |
| 59 | $540.57 | $534.32 | $6.25 | $537.44 |
| 60 | $540.57 | $537.44 | $3.14 | $0.00 |
How this auto loan calculator works
Amount financed equals vehicle price minus down payment and net trade-in credit, plus purchase tax and financed fees. Enter the taxable purchase amount explicitly because tax treatment of trade-ins and rebates differs by location.
A worked example
A 30,000 vehicle with 5,000 down, 1,800 tax and 500 financed fees creates a 27,300 loan before any trade-in. The loan payment does not include fuel or insurance.
How do I enter a trade-in with an existing loan?
Use its net credit after paying off the old loan. This version accepts non-negative credit; add any negative equity being financed to the vehicle price and document that adjustment yourself.
References and further reading
Calculations run on your device. Review your results before exporting or sharing them.