Free tool
Car payment calculator
Estimate a monthly payment by price, down payment, trade-in, APR, and term — before you talk to a dealer or a lender.
What this works out
01
Monthly payment
Amortised over the term you pick
02
Total interest
What the loan costs on top of the car
03
Sales tax
Rolled into the loan, or paid up front
Free · no account needed
How the number is worked out
Four things move the payment.
Term
Longer is smaller
Stretching 60 months to 84 lowers the monthly figure and raises the total interest. Watch both numbers, not one.
APR
Rate does the damage
A point or two of APR moves the total cost more than most people expect over a long term.
Down & trade
Both reduce the loan
A trade-in works like cash down here. Together they set what you actually borrow.
Tax
In the loan or not
Rolling tax in keeps cash in your pocket and adds interest on the tax itself.