Auto Loan Calculator
Vehicle price
usd
Trade-in value
usd
What the dealer allows for your old car.
Still owed on the trade-in
usd
Owe more than it is worth? The difference rolls into the new loan.
Cash down payment
usd
Sales tax rate
%
Trade-in against sales tax
Full credit — tax only the difference
Capped at $12,000 (Michigan, 2026)
No credit — tax the full price (California)
Most states tax the price after the trade-in is subtracted. Some do not.
Title, registration and dealer fees
usd
Manufacturer rebate
usd
Cash back from the maker. It comes off what you finance, but most states tax the price before it is applied — so it saves less than it looks.
Annual interest rate (APR)
%
Term
years
Monthly payment
$688.21
Show the work
Auto Loan Calculator
by Rule Calculator