Auto buying

Car payment calculator

Estimate the payment, amount financed and all-in vehicle cost before discussing monthly numbers with a dealer.

Save comparisons and download reports. Free accounts can keep named calculations, optional client names and export history for later.

Your next money question

Put your result to work

Understand your income →

Compare hourly pay, salary and take-home estimates.

Plan a home budget →

Bring income, debts and housing costs together.

Reach a savings goal →

Compare contributions and see when you could reach your target.

How to use this calculator & common questions

Price the car, not just the payment

Dealership conversations often center on monthly payment. This calculator also shows the amount financed, loan interest and combined cost so a longer loan cannot hide the total.

Sales-tax treatment of trade-ins varies by state. Registration, title, documentation and dealer fees should be added when you have exact quotes.

Does the calculator include sales tax?

Yes, using the rate you enter and a taxable price reduced by the trade-in. Local rules may calculate it differently.

What if the dealer rolls in fees?

Add financed dealer or registration fees to the vehicle price for a closer estimate.

Keep planning

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