Online Auto Calculators - Calculate your next car payment!

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Calculate your loan payment

If you've already compared your projected auto loan and lease payments and decided to buy rather than lease, then you've come to the right place. This simple auto loan calculator will allow you to adjust your loan variables to find a monthly payment you can live with.

Simply put, you can use this auto loan calculator to determine your monthly loan payment. After you've entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment.

Like other calculators on AutoPaymentCalculators.com, this calculator doubles as a loan amortization calculator. If you'd like to look at your complete loan amortization schedule, just click on the "View Report" button. Try our simple (not to mention free) auto loan calculator today.

Auto Financing Results

Your auto financing of LOAN_AMOUNT has a monthly payment of MONTHLY_PAYMENT.

This is for LOAN_AMOUNT in auto financing at INTEREST_RATE for TERM months. The total of all of your payments** for would be TOTAL_OF_PAYMENTS.

Auto Financing Summary
Interest rate:	INTEREST_RATE
Term in months:	TERM
Total purchase price (before tax):	AUTO_SALE_PRICE
Taxable fees:	TAXABLE_FEES
*Sales tax:**	SALES_TAX
&NBSP;	*MSG_CHECK_TAX_LESS_TRADE Currently California, the District of Columbia, Hawaii, Maryland and Michigan allow no deductions for trade-ins when calculating sales tax. If you live in one of these states make sure to check the box 'No sales tax deduction for trade-in' on the main calculator page.
Non-taxable fees:	NONTAX_FEES
Total sales price (after tax):	TOTAL_SALE_PRICE
Total down payment:**	TOTAL_DOWN
&NBSP;	**Your total down payment is calculated as your cash down payment of CASH_DOWN plus your trade-in allowance of TRADE_ALLOWANCE minus the AMOUNT_OWED_ON_TRADE balance outstanding on your trade-in vehicle.
Amount financed:	LOAN_AMOUNT
Monthly payment:	MONTHLY_PAYMENT
Total payments:*	TOTAL_OF_PAYMENTS
Total interest paid:*	INTEREST_PAID
&NBSP;	***This assumes that you do not refinance and that all payments are made on time with no prepayments.

Payment schedule

**REPEATING GROUP**

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Auto Loan Calculator Definitions

Monthly payment - This is your monthly auto loan payment.
Total purchase price (before tax) - This is the total cost of your auto purchase. Be sure to include the cost of the vehicle, any additional options, and any destination charges. Don't include sales tax in this amount. Sales tax will be calculated for you and included in your total after-tax price.
Term in months - Number of months for this auto loan.
Interest rate - Annual interest rate for this auto loan.
Cash down - Total amount of cash used in this auto purchase. The larger amount of cash you put towards a down payment the smaller the loan you will need to finance the car.
Trade allowance - The total amount that you are given for any automobile you trade-in as part of your purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition below for "Sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.
Amount owed on trade - Total loan balance (amount you owe) still outstanding on the trade-in. Hopefully you aren't "upside down" on the vehicle you are trading in. That means you owe more on the car than the trade-in value of the car.
Non-taxable fees (optional) - Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.
Taxable fees (optional) - Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.
Sales tax rate - Sales tax percentage rate charged on this purchase.
No sales tax deduction for trade-in - If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade in. Currently California, the District of Columbia, Hawaii, Maryland, and Michigan allow no deductions for auto trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos.