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Car Loan Payment & Payoff Calculator With Trade In

Michael Jones

Auto Loan Expert

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Our auto-loan calculator gives you a full break down of the costs you should expect from your car financing. Unlike most auto-loan calculators, our calculator allows you to include a range of different fees, taxes, and payments to ensure you know the true cost of your loan.


To get started, input the total purchase price of your vehicle along with the frequency of your payments. After this, determine your downpayment and if your current car has any trade in value.


Under the ‘Taxes And Fees’ tab, enter your prospective loan’s interest rate and payment term. After this, enter title and registration fees, along with your sales tax rate. Determine if your TT & L are included in the loan, as well as whether your sales tax is tax deductible.


If you plan on making extra monthly payments to reduce the term of your loan, enter the extra monthly payment under the ‘Save Via Extra Payments’ tab.


A summary of your costs will be displayed underneath the calculator. Our calculator will then give you a full breakdown of all the costs you should expect to pay throughout the duration of your loan. As you can see, it’s a great way assess the viability of your car payments. We consider all the different factors for your auto loan to help you make your decision.


Here Are Some Reviews of More Calculators for Your Convenience

Standalone Calculators – is a website that does one thing and one thing only: calculate your auto loan. It has a simple and easy-to-read interface that tells you the amount of your monthly payments, the total amount you will pay, the total interest you will pay and the date of your final payment. It also provides an annual amortization schedule, which allows you to see exactly how much of your money will be going toward the principal and the interest at the end of each year – is a website devoted to calculators of all types, and among the wide selection of offerings is its auto loan calculator. One of the most useful features of is the reverse auto loan calculator, which allows you to input a monthly payment and loan terms. It then lets you know the total price of the vehicle you can afford.


CalculatorSoup – Calculator Soup is another all-calculator website that includes a car loan calculator. The bare-bones interface is easy to read, and it provides numbers in black and white with no distracting images, graphs or ads. If you would like to see a monthly amortization schedule, all you have to do is click the link.


Calculators from Automobile Specialists – is one of the most trusted automobile reviewers in the world, and its auto loan calculator offers several unique features. For instance, you can select the year, make and model of a vehicle, and it will give you the calculations based on its proprietary True Market Value, which is based on what others are paying for the same vehicle in your area. The calculations also take into account sales tax and the fees for title and registration. In addition, incentives and rebates will auto-populate when they are available where you live. is one of the most widely used websites for finding new and used vehicles online, and it provides visitors with a suite of useful calculators. The base finance calculator gives you the estimated payments and total price, and it also allows you to search for cars for sale in your price range. The affordability calculator estimates the maximum amount of the loan you can take out while the final two calculators tell you whether it makes better financial sense to choose a cash-back rebate versus a low interest rate and taking out a loan versus signing a lease.


Kelley Blue Book – Kelley Blue Book (KBB) is one of the most trusted vehicle-valuation organizations in the world, and its online portal provides a basic auto loan calculator with several options, depending on what type of car you are buying and who is selling it. However, it is important to understand that KBB has partnered with LightStream from SunTrust Bank, and instead of a button to run the calculations, the button allows you to apply for an auto loan.


Calculators from Banks and Lenders

U.S. Bank – U.S. Bank is a popular financial institution with retail locations across the country. This bank’s loan payment calculator helps you determine the amount of your monthly payment, and it provides a side-by-side graphic comparison of how different terms will affect the payments. Separate, color-coded graphs tell you the amounts for alternate payoff periods and how the down payment affects monthly payments. Finally, an amortization schedule is provided at the bottom of the page.


USAA Federal Savings Bank – USAA is a financial institution dedicated to members of the U.S. armed forces and their families, and it offers competitive rates for those who qualify. USAA provides three separate auto loan calculators: one for new cars, one for used cars and one for refinancing existing loans. All of the calculators are based on USAA’s current interest rates, which include the standard rate and the USAA Car Buying Service Discount rate.


Capital One – Capital One is the fourth-largest credit card issuer in the U.S., but this financial giant is also a popular lender for auto loans. The Capital One auto loan calculator has a sleek interface with sliding bars rather than bland input fields, and the results are in a large, blue font that is easy to read. Auto loan calculators for more specific needs are also available, including those for new car financing, used car financing and auto loan refinancing.


Insurance Company Calculators

State Farm Mutual Insurance Company – State Farm is a popular auto insurance company, but it also provides several types of auto loan calculators that are difficult to find anywhere else, such as the auto loan comparison calculator, car value calculator, value depreciation calculator, and the cash versus financing calculator. The only problem is that all of these calculators are rather basic, and some take longer than others to load.


Nationwide Mutual Insurance Company – Nationwide is on your side when it comes to insurance, but it also provides a simple auto loan calculator with separate tabs for purchasing and refinancing. The results populate just to the right of the input fields, so there is no need to scroll through the page to enter different terms, and Nationwide now underwrites auto loans, allowing you to apply with the click of a button.


Financial Advisor Calculators

Yahoo! Finance – While Yahoo! has been struggling to stay afloat among strong competitors, Google and Microsoft’s Bing, the company still provides a wide range of useful tools, including an auto loan calculator. The Yahoo! payment calculator is a no-nonsense, table-based spreadsheet that lines all the values into a single row for easy input and reading.


Bankrate – Bankrate has been in business since 1976 and is now the premier publication on all aspects of banking and finance. The Bankrate suite of auto loan calculators is in a league all its own, and you will be hard pressed to find a need to use the calculators on any other website. Among the large selection of auto loan calculators available are those for negative equity, buying versus leasing, new versus used cars, choosing a hybrid car, interest rate and rebate comparison, determining a down payment, the true cost of auto leasing, early payoff, rebate versus low interest and a simple calculator when you just need the basics.


car loan payment calculator

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