FreeNo signup
Auto Loan Calculator
Calculate a car payment including a down payment, net trade-in credit, and financed fees.
- Monthly payment
- 502.65
- Amount financed
- 26,000
- Interest
- 4,159.17
How the calculation works
Loan = price − down payment − net trade-in credit + fees; the standard amortizing payment formula is then applied.
Inputs
- Vehicle price
- Down payment
- Net trade-in credit
- Financed taxes and fees
- Annual interest rate, %
- Term, months
Calculation details
A fixed nominal annual rate is divided by 12. Payments are at month end; daily accrual and intermediate rounding are not modeled.
Enter fees separately where provided. Insurance, penalties, and taxes are not included in the interest rate.
Net trade-in credit is the trade-in value minus any debt paid off on it. Enter applicable taxes and fees in the fees field.
Related calculators
- 401(k) Calculator 2026401k calculatorOpen →
- Amortization Calculatoramortization calculatorOpen →
- APR to APY Calculatorapr calculatorOpen →
- CD and Deposit Calculatorcd calculatorOpen →
- Compound Interest Calculatorcompound interest calculatorOpen →
- Credit Card Payoff Calculatorcredit card payoff calculatorOpen →
Other sections
Updated: 2026-10-02