Auto Loan Calculator — Monthly Payment, Trade-In & Negative Equity
Calculate monthly car payments with trade-in value, negative equity rollover, sales tax, and dealer fees. See total interest and out-the-door price.
✓ Formula verified: May 2026
Auto Loan Calculator
Results below
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Estimated Monthly Payment
$926.79
Out-the-Door Price (Before Financing)
$38,060.00
Total Amount Financed
$30,060.00
Total Interest Paid
▼ $3,304.50
Total Cost of Vehicle (All-In)
$41,364.50
Sales Tax (8% on $32,000.00 — price minus trade-in)
$2,560.00
Title, Registration & Doc Fees
$500.00
What if your vehicle price changes? $31500 → $810.25 · $35000 → $926.79 · $38500 → $1,043.33
Scenario Comparison
Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Loan Breakdown
Out-the-Door Price
$38,060
Amount Financed
$30,060
Total Interest
$3,305
Total Cost
$41,365
Monthly Payment
$926.79
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