Auto Loan Calculator
Price a car loan with sales tax, dealer fees, a trade-in and a down payment folded in, so the monthly number matches what the finance office will quote.
How to use the Auto Loan Calculator
- Enter the negotiated vehicle price, not the sticker price.
- Add your down payment and any trade-in credit.
- Set the local sales tax rate and estimated fees.
- Enter the APR and term the lender offered.
Auto Loan Calculator — frequently asked questions
Is a longer car loan a bad idea?
A 72 or 84 month term lowers the payment but raises total interest and keeps you underwater — owing more than the car is worth — for longer. Compare 48, 60 and 72 months here before signing.
Is sales tax charged on the trade-in?
In most US states you pay sales tax only on the price after the trade-in credit, which is one of the real advantages of trading in rather than selling privately.
Is this auto loan calculator free to use?
Yes. Every calculator on the site is free, needs no sign-up, and runs entirely in your browser, so your figures never leave your device.
How accurate is the result?
The maths is exact for the formula shown on the page. Accuracy in the real world depends on your inputs and on assumptions the formula cannot see, so treat the output as a well-grounded estimate rather than a quote.
Can I use it on my phone?
Yes. The page is responsive, weighs a few kilobytes and works offline once loaded, so it behaves the same on a phone as on a desktop.
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About this calculator
Written and reviewed by The Samsung Calculator editorial team. Every calculator is written against a published formula, reviewed against at least one independent reference implementation, and dated when it changes.
Last reviewed August 13, 2026 · Calculation runs client-side · No data collected · Report an error