Auto loan calculator What will this car actually cost each month?
Estimate your monthly auto loan payment using the vehicle price, down payment, trade-in equity, taxes, fees, APR, and loan term. Compare nearby APRs and loan terms to see how they change your payment, lifetime interest, total loan payments, and remaining balance.
Your auto loan details
Use a name like 2026 Hyundai Santa Fe. It appears on charts and shared links.
Add trade-in, taxes, and fees
Sales-tax assumption: Tax is applied to the full vehicle price. This version does not apply a trade-in tax credit because state rules vary.
No trade-in is included.
Auto loan
Compare loan terms
Payments range from $445 for 84 months to $919 for 36 months, a difference of $474 per month. The 84-month loan lowers the payment but costs $4,320 more in lifetime interest than the 36-month loan.
Explore auto loan tradeoffs
See how APR and loan term change your monthly payment, lifetime interest, total loan payments, and remaining balance.
How APR affects lifetime auto loan interest
Compare lifetime interest and total scheduled loan payments across the displayed rates.
Auto loan
Lifetime interest ranges from $3,557 at 4.5% APR to $6,930 at 8.5% APR. That changes total loan payments by $3,372.
| APR | Lifetime interest | Total loan payments |
|---|---|---|
| 4.5% | $3,557 | $33,557 |
| 5.5% | $4,382 | $34,382 |
| 6.5% | $5,219 | $35,219 |
| 7.5% | $6,068 | $36,068 |
| 8.5% | $6,930 | $36,930 |
How loan term changes payment and lifetime interest
See how the monthly payment and lifetime interest change across the supported loan terms.
Auto loan
Moving from 36 to 84 months lowers the estimated payment by $474 per month but adds $4,320 in lifetime interest.
| Term | Monthly payment | Lifetime interest |
|---|---|---|
| 36 months | $919 | $3,101 |
| 48 months | $711 | $4,150 |
| 60 months | $587 | $5,219 |
| 72 months | $504 | $6,309 |
| 84 months | $445 | $7,421 |
Remaining auto loan balance over time
Follow the scheduled loan balance across the selected term. Vehicle value and equity are not estimated.
Auto loan
After 24 months, the scheduled balance is $19,152. By then, $10,848 of the original amount financed has been paid down.
| Time | Remaining balance | Principal paid | Interest paid |
|---|---|---|---|
| Start | $30,000 | $0 | $0 |
| Month 12 | $24,752 | $5,248 | $1,795 |
| Month 24 | $19,152 | $10,848 | $3,239 |
| Month 36 | $13,177 | $16,823 | $4,308 |
| Month 48 | $6,802 | $23,198 | $4,977 |
| Month 60 | $0 | $30,000 | $5,219 |
Understand your auto loan estimate
Learn what goes into the loan amount and which vehicle costs remain outside the payment.
What’s included in the amount financed?
The amount financed starts with the vehicle price and adds sales tax, fees, and any negative trade equity. Your down payment and positive trade equity reduce that amount.
How do trade-in equity and sales tax affect the loan?
Positive trade equity reduces the amount financed. Negative trade equity increases the amount financed when it is rolled into the new loan.
Beanios currently applies sales tax to the full vehicle price. The calculator does not apply a trade-in tax credit because state and local rules vary.
What costs aren’t included in the auto loan payment?
The estimated loan payment does not include:
- Insurance
- Fuel or charging
- Maintenance and repairs
- Registration renewals
- Parking and tolls
- Depreciation
Auto loan terms, explained
Get a plain-language definition of each input and result used in this estimate.
Definitions of terms
- Vehicle price
- The negotiated price of the vehicle before the down payment, trade-in, taxes, and fees are applied.
- Down payment
- Cash paid upfront toward the vehicle price. The dollar and percentage inputs stay linked.
- Trade-in value
- The amount credited for the vehicle you trade in.
- Amount owed on trade-in
- The remaining loan balance that must be paid when the trade-in is completed.
- Trade equity
- Trade-in value minus the amount owed. Positive equity reduces the new loan. Negative equity increases it when rolled into the new loan.
- Sales-tax rate
- The tax rate applied to the full vehicle price in this calculator. This version does not apply a trade-in tax credit.
- Fees
- Dealer, registration, documentation, or other purchase fees included in the amount financed.
- Other charges
- Estimated sales tax plus the fees entered in the purchase details section.
- Amount financed
- The vehicle price, sales tax, fees, and any negative trade equity, minus the down payment and positive trade equity.
- Interest rate (APR)
- The annual percentage rate used to calculate the cost of borrowing.
- Loan term
- The number of months scheduled to repay the auto loan.
- Estimated monthly payment
- The fixed monthly principal and interest payment based on the amount financed, APR, and loan term.
- Lifetime interest
- Total scheduled loan payments minus the original amount financed.
- Total loan payments
- The estimated monthly payment multiplied by the number of scheduled payments.
More money questions
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About this auto loan estimate
Review what is included, the sales-tax scope, and how this estimate is calculated.
What is included
Vehicle price, down payment, net trade equity, estimated sales tax, fees, APR, and loan term.
Sales-tax scope
Tax is calculated from the full vehicle price. No trade-in tax credit is applied because state and local rules vary.
How it works
Payments use the standard fixed-rate amortization formula. Vehicle value, depreciation, insurance, fuel, maintenance, and registration renewals are excluded.
Updated date and disclaimer
Updated August 13, 2026. This estimate is educational and is not a loan quote, approval, or financial advice. See the full disclaimer.