Auto Loan True Cost Calculator
Build amount financed from price, tax, fees, and down payment — then estimate payment and total interest.
Not financial, tax, or lending advice. Confirm terms with your provider.
Est. monthly payment
$622
Amount financed
$31,040
Total interest
$6,279
Down + all payments
$41,319
Does not include trade-in, rebates, warranties, or negative equity. Tax treatment varies by state. Educational only.
Dealer math vs your math
Monthly payment quotes can hide term length, backend products, and financed fees.
Always extract amount financed and APR, then recompute total interest.
Tax and fees
Sales tax treatment varies by state and trade-in rules. Adjust the tax % to your quote.
Extended warranties financed into the loan raise interest paid even if optional.
Frequently Asked Questions
Does a 0% APR promo beat cash?
Sometimes — compare opportunity cost of cash and any higher selling price. Not advice.
Negative equity?
Not modeled. Rolling prior loans into a new note increases amount financed.