Estimate your monthly car payment with tax and trade-in.
Estimates only. Confirm exact terms with your lender or dealer.
We add sales tax (on price minus trade-in), subtract your down payment and trade-in to get the amount financed, then amortize it over your term to find the monthly payment and total interest.
Price your next car with our other free auto calculators.
From the financed amount (price + tax − down − trade-in) amortized over the loan term at your APR.
In many states yes — tax applies to price minus trade-in. This tool assumes that.
Shorter terms cost less interest; avoid stretching past 60–72 months.
Yes — even 10–20% down lowers payments and reduces being underwater.
Tax and dealer fees vary, so treat this as a close estimate.