Calculate car payments including trade-in, sales tax, fees and rebates.
The amount financed equals the vehicle price plus sales tax, minus your down payment and any trade-in value. That balance is then amortized across your chosen term at the given APR.
Amount financed
Financed = Price + Tax − Down Payment − Trade-in
Monthly payment
M = F · r / (1 − (1+r)^−n)
Estimates only and not financial advice. Confirm tax and financing terms with your dealer and lender.
In many U.S. states a trade-in reduces the taxable amount, but rules vary. This calculator applies sales tax to the full vehicle price to stay conservative.
Shorter terms mean higher monthly payments but far less total interest. Longer terms lower the payment but cost more overall.