See what a car really costs from the owner's side. Start from the sticker price, add sales tax and fees to get the on-road price, subtract your down payment and add an insurance estimate to see the monthly payment and the total cost over the term. These results are approximations for general information only and are not financial, investment or tax advice. Actual figures depend on your lender, your tax rules and your insurer.
100% Local
How to Use the Car Loan Calculator
Enter the sticker price, your down payment, the sales tax rate, any registration or dealer fees, an optional annual insurance figure, the interest rate and the term. Press Calculate to see the on-road price, the monthly payment and the total ownership cost.
Reading the results
On-road price is the sticker price plus sales tax and fees — the amount you actually pay for the car.
Amount financed is the on-road price minus your down payment.
Estimated monthly payment covers principal and interest only.
Total ownership cost adds the down payment, all monthly payments and the insurance estimate over the term.
Tips
Taxes and fees are often rolled into the loan, so a longer term lowers the monthly payment but raises the total interest. Compare a few terms before you sign.
Features
Owner's-view estimate: on-road price with tax and fees, not just the sticker price
Monthly payment and total interest in one view
Optional insurance packaged over the whole term
Choose your currency and copy the result
All processing runs locally in your browser. Your data is not uploaded to any server.
These results are approximations for general information only and are not financial, investment or tax advice. Actual figures depend on the terms of your lender or provider and your local tax rules.