Auto Loan Calculator
Estimate a vehicle loan payment and total financing cost.
Monthly payment
$637.02
- Amount financed
- $32,950.00
- Base payment
- $637.02
- Total interest
- $5,270.95
- Total repayment
- $38,220.95
- Payoff time
- 60 months
- Estimated total vehicle cost
- $43,220.95
Balance over time
| Payment | Amount | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $637.02 | $472.27 | $164.75 | $32,477.73 |
| 2 | $637.02 | $474.63 | $162.39 | $32,003.11 |
| 3 | $637.02 | $477.00 | $160.02 | $31,526.11 |
| 4 | $637.02 | $479.39 | $157.63 | $31,046.72 |
| 5 | $637.02 | $481.78 | $155.23 | $30,564.94 |
| 6 | $637.02 | $484.19 | $152.82 | $30,080.75 |
| 7 | $637.02 | $486.61 | $150.40 | $29,594.14 |
| 8 | $637.02 | $489.05 | $147.97 | $29,105.09 |
| 9 | $637.02 | $491.49 | $145.53 | $28,613.60 |
| 10 | $637.02 | $493.95 | $143.07 | $28,119.65 |
| 11 | $637.02 | $496.42 | $140.60 | $27,623.24 |
| 12 | $637.02 | $498.90 | $138.12 | $27,124.34 |
| 13 | $637.02 | $501.39 | $135.62 | $26,622.94 |
| 14 | $637.02 | $503.90 | $133.11 | $26,119.04 |
| 15 | $637.02 | $506.42 | $130.60 | $25,612.62 |
| 16 | $637.02 | $508.95 | $128.06 | $25,103.67 |
| 17 | $637.02 | $511.50 | $125.52 | $24,592.17 |
| 18 | $637.02 | $514.05 | $122.96 | $24,078.11 |
| 19 | $637.02 | $516.63 | $120.39 | $23,561.49 |
| 20 | $637.02 | $519.21 | $117.81 | $23,042.28 |
| 21 | $637.02 | $521.80 | $115.21 | $22,520.48 |
| 22 | $637.02 | $524.41 | $112.60 | $21,996.06 |
| 23 | $637.02 | $527.04 | $109.98 | $21,469.03 |
| 24 | $637.02 | $529.67 | $107.35 | $20,939.36 |
| 25 | $637.02 | $532.32 | $104.70 | $20,407.04 |
| 26 | $637.02 | $534.98 | $102.04 | $19,872.06 |
| 27 | $637.02 | $537.66 | $99.36 | $19,334.40 |
| 28 | $637.02 | $540.34 | $96.67 | $18,794.06 |
| 29 | $637.02 | $543.05 | $93.97 | $18,251.01 |
| 30 | $637.02 | $545.76 | $91.26 | $17,705.25 |
| 31 | $637.02 | $548.49 | $88.53 | $17,156.76 |
| 32 | $637.02 | $551.23 | $85.78 | $16,605.53 |
| 33 | $637.02 | $553.99 | $83.03 | $16,051.54 |
| 34 | $637.02 | $556.76 | $80.26 | $15,494.78 |
| 35 | $637.02 | $559.54 | $77.47 | $14,935.24 |
| 36 | $637.02 | $562.34 | $74.68 | $14,372.90 |
| 37 | $637.02 | $565.15 | $71.86 | $13,807.75 |
| 38 | $637.02 | $567.98 | $69.04 | $13,239.77 |
| 39 | $637.02 | $570.82 | $66.20 | $12,668.96 |
| 40 | $637.02 | $573.67 | $63.34 | $12,095.29 |
| 41 | $637.02 | $576.54 | $60.48 | $11,518.75 |
| 42 | $637.02 | $579.42 | $57.59 | $10,939.32 |
| 43 | $637.02 | $582.32 | $54.70 | $10,357.01 |
| 44 | $637.02 | $585.23 | $51.79 | $9,771.77 |
| 45 | $637.02 | $588.16 | $48.86 | $9,183.62 |
| 46 | $637.02 | $591.10 | $45.92 | $8,592.52 |
| 47 | $637.02 | $594.05 | $42.96 | $7,998.47 |
| 48 | $637.02 | $597.02 | $39.99 | $7,401.44 |
| 49 | $637.02 | $600.01 | $37.01 | $6,801.43 |
| 50 | $637.02 | $603.01 | $34.01 | $6,198.43 |
| 51 | $637.02 | $606.02 | $30.99 | $5,592.40 |
| 52 | $637.02 | $609.05 | $27.96 | $4,983.35 |
| 53 | $637.02 | $612.10 | $24.92 | $4,371.25 |
| 54 | $637.02 | $615.16 | $21.86 | $3,756.09 |
| 55 | $637.02 | $618.24 | $18.78 | $3,137.85 |
| 56 | $637.02 | $621.33 | $15.69 | $2,516.53 |
| 57 | $637.02 | $624.43 | $12.58 | $1,892.10 |
| 58 | $637.02 | $627.56 | $9.46 | $1,264.54 |
| 59 | $637.02 | $630.69 | $6.32 | $633.85 |
| 60 | $637.02 | $633.85 | $3.17 | $0.00 |
Results are estimates for informational purposes only and are not financial advice.
What this calculator does
Include vehicle price, trade-in, down payment, sales tax, fees, APR, and term.
Inputs and what they mean
- Vehicle price
- — number value.
- Down payment
- — number value.
- Trade-in value
- — number value.
- Sales tax rate
- — number value.
- Fees
- — number value.
- APR
- — number value.
- Duration
- — number value.
How to use it
- Enter the values for your estimate.
- Adjust the rate, duration, and optional scenario inputs.
- Review the totals, comparison, chart, and schedule where available.
Formula
Amount financed = price + estimated tax + fees − down payment − trade-in. The monthly payment uses fixed-loan amortization.
Worked example
$35,000 vehicle
Finance after a $5,000 down payment at 6% APR.
Reading the result
The headline figure is the main answer. Any breakdown underneath shows the parts that make it up, so you can check the working and see what changes when you adjust an input.
Limitations and assumptions
Results are estimates for informational purposes only and are not financial advice.
Common questions
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