Auto Loan Calculator with “Total Cost of Car” Feature

Auto Loan True Cost Calculator (USA)
Auto Loan True Cost Calculator
USA assumptions. See notes below.

Inputs

$USD
Sticker price before tax & fees.
$
Cash paid upfront.
%
Annual Percentage Rate.
%
Applied to vehicle price (state & local).
$
Assumed financed unless covered by down payment.
Shorter (12 mo) Longer (96 mo)

Results

Estimated Monthly Payment
$0
Payment goes down as term increases
Total Loan Cost (Principal + Interest)
$0
Total Interest: $0
Down Payment + Taxes + Fees + All Payments
$0
This is the full commitment
Monthly Payment
Total Interest (life of loan)
Assumptions (USA): Sales tax is applied to the vehicle price, not to fees. Fees are financed unless your down payment exceeds taxes+fees; any remainder of down payment reduces principal. Monthly payment uses standard amortization. If APR is 0%, payment is principal ÷ term. This tool does not include insurance or registration beyond fees you enter.