Auto & Car Loan Calculator
Auto Loan & Car Payment Calculator
Calculate your monthly car payment, total interest, sales taxes, and net financed amount with visual payoff curves.
Subtracted from taxable price
Financing Summary
Based on $29,740 financed over 60 months at 5.9% APR.
Pay Extra & Eliminate Your Car Loan Faster
See how much interest you save and how many months you eliminate with extra principal payments.
Applied directly to the starting principal balance.
Lease vs. Buy Side-by-Side Comparison (48 Months)
Compare monthly payments, total out-of-pocket costs, and ending vehicle equity over 48 months.
Financial Recommendation: Buying saves $643 in net ownership cost over 48 months because you keep $18,200 in vehicle equity.
Leasing offers lower monthly payments for individuals who switch cars every 3 years. Buying builds tangible net worth and removes mileage penalties for drivers planning to keep the vehicle past the loan term.
Auto Loan Rates by Credit Score
Estimated for a $29,740 loan over 60 months. Benchmark source: Experian Automotive Finance.
| Credit Tier | FICO Score | New APR | Used APR | Est. Monthly | Total Interest |
|---|---|---|---|---|---|
Super Prime | 781 – 850 | 4.41% | 6.29% | $553/mo | $3,440 |
Prime | 661 – 780 | 6.15% | 8.81% | $577/mo | $4,880 |
Non-Prime | 601 – 660 | 9.71% | 13.93% | $628/mo | $7,940 |
Subprime | 501 – 600 | 13.52% | 19.10% | $685/mo | $11,360 |
💡 Credit Score Impact Insight
Borrowers who elevate their score from Non-Prime to Super Prime save an estimated $4,500 in pure interest fees on this vehicle loan.
Advertising & Affiliate Disclosure: ConvertSheet is an independent educational calculation service and may receive compensation from partner financial institutions when users click to compare rates. Zero client data or calculated figures are ever shared.
Direct Answer: Determine your exact monthly auto payment, net amount financed after trade-in equity, sales taxes, dealer fees, and total financing interest costs.
Horizontal Responsive (Responsive Banner)
About Auto & Car Loan Calculator
Financing a new or used vehicle involves more than just the sticker price. Dealership fees, state sales tax, and trade-in allowances significantly impact your out-the-door loan balance. ConvertSheet's Auto Loan Calculator provides a transparent breakdown of total vehicle cost, financing charges, and yearly loan paydown schedule with full Excel export.
Popular Auto & Car Loan Calculator Scenarios & Calculations
Instant answers, complete amortization schedules, and benchmark scenarios.
$15,000 Auto Loan Payment Calculator
$20,000 Auto Loan Payment Calculator
$25,000 Auto Loan Payment Calculator
$35,000 Auto Loan Payment Calculator
$45,000 Auto Loan Payment Calculator
$60,000 Auto Loan Payment Calculator
$60,000 Car Loan Payment (60 & 72 Months) Calculator
$80,000 Luxury Auto Loan Payment Calculator
36-Month (3-Year) Auto Loan Payment Calculator
48-Month (4-Year) Auto Loan Payment Calculator
60-Month Auto Loan Payment Calculator
60-Month vs 72-Month Auto Loan Comparison
84-Month (7-Year) Auto Loan Payment Calculator
$25,000 Car Loan Payment (72 Months) Calculator
$15,000 Car Loan Over 5 Years (60 Months) Calculator
Subprime Credit Auto Loan Calculator
Car Loan Early Payoff Calculator
$30,000 Auto Loan Payment Calculator
$40,000 Car Loan Payment Calculator
$50,000 Truck & SUV Loan Calculator
72-Month (6-Year) Auto Loan Payment Calculator
Average Car Payment Calculator (2026 Benchmarks)
Tesla Model Y Monthly Payment Calculator
Ford F-150 Monthly Payment Calculator
Chevy Silverado Monthly Payment Calculator
Toyota RAV4 Monthly Payment Calculator
Honda CR-V Monthly Payment Calculator
Ram 1500 Monthly Payment Calculator
Toyota Camry Monthly Payment Calculator
Toyota Tacoma Monthly Payment Calculator
Honda Civic Monthly Payment Calculator
Zero Down Car Loan Calculator ($0 Down Payment)
$50,000 Car Loan Payment Calculator
$10,000 Used Car Loan Calculator
$70,000 Luxury Vehicle Car Loan Calculator
Electric Vehicle (EV) Car Loan Calculator
Zero Down ($0 Down Payment) Car Loan Calculator
$15,000 Car Loan Calculator
$20,000 Car Loan Calculator
$25,000 Car Loan Calculator
$30,000 Car Loan Calculator
$35,000 Car Loan Calculator
$45,000 Car Loan Calculator
$50,000 Car Loan Calculator
$55,000 Car Loan Calculator
$65,000 Car Loan Calculator
How to Convert Auto & Car Loan Calculator to Result Online in 3 Simple Steps
Convert your data effortlessly with zero installations and complete local privacy.
- 1Step 1:
Vehicle Price & Trade-In
Enter negotiated vehicle selling price, cash down payment, and positive or negative trade-in value.
- 2Step 2:
Taxes & Dealer Fees
Input your state/local sales tax percentage and estimated dealer documentation/registration fees.
- 3Step 3:
Finance Terms & Export
Select your loan term in months (36 to 84 months) and interest rate APR, then export your payment schedule to Excel.
Frequently Asked Questions: Auto & Car Loan Calculator
Answers to common questions regarding inputs, calculations, and mathematical methodology.
Does trade-in reduce auto sales tax?
In most US states and Canadian provinces, trade-in credit reduces the taxable purchase price. For instance, on a $30,000 vehicle with a $10,000 trade-in, sales tax is only levied on the remaining $20,000 difference.
What is an ideal auto loan term length?
Financial planners recommend limiting new car loans to 48 or 60 months (and used car loans to 36 or 48 months) to prevent becoming 'upside-down' (owing more than the vehicle's depreciating market value).
Can I export my car loan amortization to Excel?
Yes, click the 'Export to Excel (.xlsx)' button to download the yearly breakdown of principal, interest, and remaining balance.
Add Auto & Car Loan Calculator to Your Website or Blog
Enhance your financial articles, portals, or docs with this interactive calculator. 100% free, responsive, zero backend required.
Related Converters & Calculators
Horizontal Responsive (Responsive Banner)