US auto shoppers

Car payment math without the dealer pitch.

Estimate your monthly payment, total interest, payoff date, and first-year amortization before you step onto the lot.

Vehicle price$Down payment$Trade-in value$APR%Sales tax%Extra monthly payment$

Loan term 60 months

Estimated monthly payment

$614

Amount financed

$30,840

Total interest

$6,019

Total paid

$36,859

Payoff date

May 2031

Payments

First 12 months amortization

Month1

Payment: $614
Balance: $30,412
Principal: $428
Interest: $186

Month2

Payment: $614
Balance: $29,981
Principal: $431
Interest: $184

Month3

Payment: $614
Balance: $29,548
Principal: $433
Interest: $181

Month4

Payment: $614
Balance: $29,112
Principal: $436
Interest: $179

Month5

Payment: $614
Balance: $28,674
Principal: $438
Interest: $176

Month6

Payment: $614
Balance: $28,233
Principal: $441
Interest: $173

Month7

Payment: $614
Balance: $27,789
Principal: $444
Interest: $171

Month8

Payment: $614
Balance: $27,343
Principal: $446
Interest: $168

Month9

Payment: $614
Balance: $26,894
Principal: $449
Interest: $165

Month10

Payment: $614
Balance: $26,442
Principal: $452
Interest: $162

Month11

Payment: $614
Balance: $25,987
Principal: $455
Interest: $160

Month12

Payment: $614
Balance: $25,530
Principal: $457
Interest: $157

Month	Payment	Principal	Interest	Balance
1	$614	$428	$186	$30,412
2	$614	$431	$184	$29,981
3	$614	$433	$181	$29,548
4	$614	$436	$179	$29,112
5	$614	$438	$176	$28,674
6	$614	$441	$173	$28,233
7	$614	$444	$171	$27,789
8	$614	$446	$168	$27,343
9	$614	$449	$165	$26,894
10	$614	$452	$162	$26,442
11	$614	$455	$160	$25,987
12	$614	$457	$157	$25,530

How this car payment calculator works

AutoQuickly uses the standard amortization formula lenders use to estimate a fixed monthly auto loan payment. Enter the vehicle price, down payment, trade-in value, APR, term, and estimated sales tax. The calculator updates instantly so you can compare a 60 month offer against a 72 month offer without waiting for a submit button.

The monthly payment is useful, but it is not the whole story. Review the total interest and total paid before choosing a longer term. A lower payment can still be the more expensive loan if it stretches interest over more months. For trip and ownership planning, pair this with the fuel cost calculator and MPG calculator.

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Pre-filled with each state's estimated sales tax rate.

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Car loan calculator by term

Compare total interest across common loan lengths.

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FAQ

Straight answers before you finance.

Is AutoQuickly free?

Yes. The calculators are free, run in your browser, and do not require an account, email address, or dealer referral.

Are these numbers financial advice?

No. AutoQuickly provides estimates for planning. Your lender, dealer, insurer, and state DMV can change the final cost.

Does the calculator include sales tax?

The car payment calculator includes a sales tax field. Local city and county fees can vary, so treat it as an estimate.

Why is my lender quote different?

Quotes may include documentation fees, lender fees, registration, add-ons, or a different APR calculation than the simple inputs here.

Do you store my calculator inputs?

No. Calculations run client-side. Analytics may track aggregate page usage, but your vehicle price and loan details are not submitted to AutoQuickly.