Car Payment Calculator. Reproduce a quoted auto-loan amount financed and fixed payment with trade payoff, fees, add-ons, cash, credits, APR, and term kept visible.
A quick decision brief for this specific tool
Negotiated cash price, financed taxes/government fees and optional add-ons, cash down, applied rebates/credits, trade allowance, prior-loan payoff, quoted APR, and whole-month term
Net trade position, amount financed, fixed monthly payment, total of payments, and modeled interest
CFPB-style amount-financed itemization followed by fixed monthly amortization; trade allowance and payoff remain separate so positive or negative equity is visible
Choose your path
Reproduce a written auto-loan amount financed and fixed payment while exposing trade payoff, negative equity, fees, optional add-ons, cash, credits, APR, and term.
See the trade allowance reduce financing without confusing it with cash down.
Enter the written cash price, quote itemization, zero payoff, allowance, cash, APR, and term.
Can reconcile amount financed, payment, and total without focusing on payment alone.
See a prior-loan payoff larger than the trade allowance.
Enter allowance and payoff separately and inspect the signed net trade position before comparing the quote.
Recognizes negative equity added to financing and does not treat the allowance as owned equity.
Identify what the lender is financing beyond the vehicle.
Copy taxes/fees, optional add-ons, credits, and disclosure totals into the bounded model.
Can challenge mismatched or unwanted items and verify cancellation and contract terms.
Outputs and checklists are planning aids. Review the linked current authorities and the records, terms, instructions, and requirements that apply to your exact situation before a consequential decision.
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Add the cash price, financed taxes/government fees, optional financed products, and prior-loan payoff; subtract trade allowance, cash down, and applied rebates or credits.
Amount Financed = Price + Fees + Add-ons + Payoff − Trade Allowance − Cash − CreditsApply the entered APR divided by 12 over the whole-month term, with a separate exact zero-interest path.
Payment = P × r ÷ [1 − (1 + r)^−n]The calculator does not negotiate price, verify an add-on, determine credit approval, predict depreciation, or certify the contract. Reconcile current written lender and dealer documents.
Quote evidence + contract review → decisionUpdated: August 2026
The allowance exceeds the prior-loan payoff, so only the net equity reduces financing.
→ Net trade position: $1,500
The payoff exceeds the allowance and the difference increases the amount financed.
→ Net trade position: −$2,500
Compare the same quote with and without optional financed products while keeping every other input unchanged.
→ Payment and total-of-payments change remains attributable to the add-on
Use the written quote—not a payment target alone. Enter the negotiated cash price, every financed charge, trade allowance and payoff separately, cash and applied credits, quoted APR, and term. The result is disclosure-reconciliation arithmetic, not an affordability or purchase recommendation.