Inputs that matter
The biggest drivers are vehicle price, down payment, APR, and loan term. A longer term can lower the monthly payment while increasing total interest.
Auto Loan Calculator
Auto Loan Calculator
Estimate your monthly auto cost using vehicle price, down payment, trade-in value, taxes, fees, APR, loan term, and insurance.
Free to use
No account required
Private by default
Educational estimates only
Auto loan estimate
Your auto payment estimate
See your loan payment, financing costs, and the monthly running costs you choose to include.
Estimated monthly auto cost
$0
Loan payment, insurance, and running costs you enter
Loan payment$0
Amount financed$0
Total interest$0
What makes up your month
What this means
Total cost details appear here.
Auto loan results are educational estimates only.
A smaller payment can hide a bigger bill
Try the same car on a different term.
Each option uses your current amount financed and APR. Actual offers may use different rates. Select a term to update the calculator.
Monthly totals include the insurance and running costs you entered. Interest is over the full loan term; it does not include insurance, running costs, or depreciation.
Auto loan calculator guide
How this auto loan calculator works
This calculator estimates your amount financed from vehicle price, taxes, fees, down payment, and trade-in equity. It then applies the APR and loan term to estimate the monthly loan payment and total interest.
Updated May 15, 2026. Educational estimate only.
Why insurance is included
Insurance is not part of the loan payment, but it is part of the monthly car budget. Including it keeps the estimate closer to what you may actually feel each month.
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What is included in this auto loan calculator?
The calculator estimates the loan payment, amount financed, total interest, and a monthly cost that also includes your insurance assumption.
Should I include taxes and fees?
Yes. Taxes, registration, dealer fees, and other closing costs can change the amount financed and the monthly payment.
How should I choose an APR?
Use an APR close to the rate you expect to qualify for. Your actual rate depends on credit, lender, vehicle, term, income, and market conditions.
These calculators are for educational purposes only and are not financial, investment, tax, or legal advice. Results are estimates based on the assumptions provided.