Car loan calculator

See your monthly payment, the total interest and the real out-the-door cost before you talk to a dealer.

Car price

The negotiated price before tax and fees.

New or used

Sets a typical APR. You can change it below.

Down payment

Cash plus any trade-in value.

APR

Get a preapproval from a bank or credit union to know yours.

Loan length (months)

Sales tax

State plus local rate. 0 if your state has none.

Dealer and DMV fees

Doc fee, title and registration.

Your take-home pay per month (optional)

Shows the payment as a share of your pay.

Press Calculate to see your payment

Starting values: average new compact SUV price $37,614 (Cox Automotive/Kelley Blue Book, Sep 2026), average down payment $5,554 and average APR 7.0% new, 10.6% used (Edmunds, Q3 2026), average combined sales tax 7.53% (Tax Foundation, 2026), fees $600 = $399 median doc fee (CarEdge) + about $201 title and registration (our calculation). Use your own quote for a real plan. General information, not financial advice.