The real cost
of your car.
Look beyond the sticker price.
See the whole picture.
Your car. Your numbers.
Taxes and fees are financed.
Sales tax applies to the full car price.
Illustrative estimates · US dollars
Estimated monthly payment
$608.29/mo
60 months at 8% APR
- Amount financed
- $30,000.00
- Total interest
- $6,497.52
- Total loan payments
- $36,497.52
Total purchase cost
Including $5,000.00 down
Every payment.
Broken down.
Principal $408.29Interest $200.00
Find your balance.
A smaller payment can mean a bigger total. Compare the same car, down payment and APR.
| Loan term | |||||
|---|---|---|---|---|---|
| Monthly payment | $940.09 | $732.39 | $608.29 | $526.00 | $467.59 |
| Total interest | $3,843.28 | $5,154.57 | $6,497.52 | $7,871.71 | $9,277.10 |
| Total loan payments | $33,843.28 | $35,154.57 | $36,497.52 | $37,871.71 | $39,277.10 |
| Total purchase costIncluding down payment | $38,843.28 | $40,154.57 | $41,497.52 | $42,871.71 | $44,277.10 |
Select a term to see its full breakdown. Your entered APR stays the same across terms.
Your payment schedule.
Follow every dollar, from the first payment to the last.
| Month | Payment | Principal | Interest | Remaining balance |
|---|---|---|---|---|
| 01 | $608.29 | $408.29 | $200.00 | $29,591.71 |
| 02 | $608.29 | $411.01 | $197.28 | $29,180.70 |
| 03 | $608.29 | $413.75 | $194.54 | $28,766.95 |
| 04 | $608.29 | $416.51 | $191.78 | $28,350.44 |
| 05 | $608.29 | $419.29 | $189.00 | $27,931.15 |
| 06 | $608.29 | $422.08 | $186.21 | $27,509.07 |
| 07 | $608.29 | $424.90 | $183.39 | $27,084.17 |
| 08 | $608.29 | $427.73 | $180.56 | $26,656.44 |
| 09 | $608.29 | $430.58 | $177.71 | $26,225.86 |
| 10 | $608.29 | $433.45 | $174.84 | $25,792.41 |
| 11 | $608.29 | $436.34 | $171.95 | $25,356.07 |
| 12 | $608.29 | $439.25 | $169.04 | $24,916.82 |
| Loan totals | $36,497.52 | $30,000.00 | $6,497.52 | $0.00 |
Months 1–12 of 60
A few things to know.
Purchase cost estimates. These estimates exclude insurance, maintenance, depreciation, fuel and other ownership costs. This calculator provides no lender quotes or offers.
How the numbers work. Amount financed = car price + sales tax + fees − down payment. Total loan payments = principal + interest. Total purchase cost = total loan payments + down payment.
Simple assumptions. Clear estimates. APR is treated as a fixed annual interest rate divided by 12. Payments are monthly and on time. Interest is rounded to cents each month; the final payment adjusts to clear the balance. Actual lender APR may include charges, and tax rules vary by location.
See the calculation
Monthly payment = P × r ÷ (1 − (1 + r)−n), where P is the amount financed, r = APR ÷ 100 ÷ 12, and n is the number of months. At 0% APR, payment = P ÷ n.
Current price + tax + fees: $35,000.00 + $0.00 + $0.00 = $35,000.00. Subtract $5,000.00 down to finance $30,000.00.
The preset is illustrative: a $35,000 car, $5,000 down, 8% APR and 60 months, with no taxes or fees. Learn about comparing auto loans from the CFPB (opens in a new tab).