PlanetToolbox

Auto Loan Calculator

Estimate auto loan payments with vehicle price, down payment, trade-in, taxes, fees, APR, extra payments, and amortization.

Monthly payment

$514

Total financed

$25,970

Total interest

$4,884

Payoff date

April 2031

Auto loan inputs

Estimate vehicle financing

Vehicle price

Down payment

Trade-in value

Owed on trade

Sales tax

Title and fees

APR

Term months

Extra monthly

Start month

Financing breakdown

Vehicle price$32,000

Down payment$3,200

Net trade-in credit$5,000

Negative trade equity$0

Sales tax$1,620

Title, registration, fees$550

Total financed$25,970

Loan summary

Monthly with extra: $514
Total interest: $4,884
Total cost: $34,054
Scheduled payoff: April 2031
Actual payoff: April 2031
Interest saved: $0
Time saved: 0 months

Amortization schedule

Review principal, interest, extra payments, and remaining balance.

YearPrincipalInterestBalance

2026$2,962$1,152$23,008

2027$4,710$1,461$18,299

2028$5,050$1,121$13,249

2029$5,415$756$7,834

2030$5,806$364$2,027

2031$2,027$30$0

Result actions

Next steps

Personal loanCompare vehicle financing against an unsecured borrowing option.AffordabilityCheck whether a payment fits alongside income and other debts.Interest rateSolve the rate implied by a quoted payment and term.

Auto loan calculator notes

This estimate depends on the price, tax, fee, trade-in, and APR assumptions you enter. Actual dealership, lender, registration, and insurance costs may differ.