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Auto Loan Calculator
Calculate your monthly car payment, total cost, and interest for any auto loan. Includes trade-in value, sales tax, and a month-by-month amortization breakdown.
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Monthly Payment
$586.98
over 60 months
Loan Amount
$30,000
Total Interest
$5,219
Total Cost
$35,219
First 12 Months Payment Breakdown
| Month | Principal | Interest | Balance |
|---|---|---|---|
| Month 1 | $424.48 | $162.50 | $29,575.52 |
| Month 2 | $426.78 | $160.20 | $29,148.73 |
| Month 3 | $429.10 | $157.89 | $28,719.64 |
| Month 4 | $431.42 | $155.56 | $28,288.22 |
| Month 5 | $433.76 | $153.23 | $27,854.46 |
| Month 6 | $436.11 | $150.88 | $27,418.35 |
| Month 7 | $438.47 | $148.52 | $26,979.89 |
| Month 8 | $440.84 | $146.14 | $26,539.04 |
| Month 9 | $443.23 | $143.75 | $26,095.81 |
| Month 10 | $445.63 | $141.35 | $25,650.18 |
| Month 11 | $448.05 | $138.94 | $25,202.13 |
| Month 12 | $450.47 | $136.51 | $24,751.66 |
Características Principales — Auto Loan Calculator
Monthly car payment calculation
Trade-in value deduction
Sales tax on vehicle price
Total interest and total cost
Month-by-month amortization (first 12 months)
24 to 84 month loan terms
Por Qué Usar Esta Herramienta — Auto Loan Calculator
Gratis en Línea Auto loan calculatorCar loan calculator — para TodosRápido y Fácil Car payment calculatorMonthly car payment — 100% GratisGratis en Línea Auto loan payment calculator
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Preguntas Frecuentes — Auto Loan Calculator
How is a car loan payment calculated?
Car loan monthly payment uses the same formula as a mortgage: M = P × [r(1+r)^n] / [(1+r)^n − 1]. P is the loan amount (vehicle price + tax − down − trade-in), r is monthly interest rate, and n is the number of months. The result is a fixed payment that fully amortizes the loan.
Should I choose a shorter or longer loan term?
Shorter terms (36–48 months) have higher monthly payments but significantly lower total interest. Longer terms (72–84 months) lower monthly payments but you pay much more in interest and risk being "underwater" — owing more than the car is worth — as vehicles depreciate quickly.
What is a good interest rate for an auto loan?
As of 2024, average new car loan rates are around 6–8% APR for good credit (700+). Used car loans are typically 1–3% higher. Credit unions often offer lower rates than dealerships. Always compare financing offers before agreeing to dealer financing.