Calculate a U.S. Auto Loan With Tax, Fees and Trade-In
Model the amount financed from an out-the-door purchase, including editable state sales tax, trade-in equity, registration and dealer charges.
LOAN
Vehicle purchase and loan inputs
Auto loan estimate
How this U.S. auto loan calculator works
The amount financed begins with vehicle price, sales tax, dealer charges, title and registration fees. Trade-in equity equals the dealer’s trade allowance minus the old loan payoff. Positive equity and cash down reduce the new balance; negative equity increases it.
States do not all tax a vehicle purchase the same way. Some calculate tax on the full selling price, while others allow an eligible trade allowance to reduce the taxable amount. The manual option lets you use the exact taxable amount from the dealer’s buyer order rather than forcing one national assumption.
Payment and payoff
The scheduled monthly payment uses fixed-rate amortization. An optional extra amount is applied to principal in the month-by-month model to estimate a shorter payoff and lower interest. Before signing, compare the financed amount with the out-the-door total, confirm whether optional products were added, and verify that extra payments are applied to principal without a prepayment penalty.
Does this calculator use my state’s exact vehicle tax rules?
No. It provides editable U.S. tax-basis choices; use the taxable amount and fees from your state or dealer paperwork.