Car loan calculator with trade-in and tax

How to use this tool

1. Enter your values or choose a local file. Replace the example data with your own.
2. Review options, units and assumptions, then run the tool.
3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Monthly payment, total interest and total cost of a vehicle loan including sales tax, fees, down payment and trade-in.

Worked example

Vehicle price: 35,000
Down payment: 3,000
Trade-in value: 5,000
Sales tax (%): 13
Fees: 800
Interest rate (APR %): 6.99
Term (months): 60

→ Amount financed: 31,700
→ Monthly payment: 627.55
→ Total interest: 5,952.91
→ Sales tax: 3,900
→ Total cost of the car: 45,652.91

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

Content updated: 2026-10-10