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Car Loan Calculator with Sales Tax

Use this car loan calculator including sales tax to decide whether to finance the tax and fees or pay them at signing, and see what each choice costs.

Calculate Your Car Loan with Sales Tax

Results update as you type. Nothing you enter leaves your browser.

The selling price on your buyer’s order.

What the dealer credits you.

Condition

Financing

Advanced options

Enter your own amounts where you know them. They replace our estimates.

Replaces the state estimate.

Replaces the state estimate.

Plates, inspections, add-ons.

Estimate only

Estimated monthly payment

$0.00

Choose your state and enter a vehicle price to see your estimate.

Vehicle price
$0.00
Trade-in
—
Taxable amount
$0.00
Sales tax (0%)
$0.00
Title fee
$0.00
Registration fee
$0.00
Dealer / documentation fee
—
Estimated total
$0.00

Financing estimate

Amount financed
$0.00
Estimated monthly payment
$0.00
Total interest
$0.00
Total of payments
$0.00
How this estimate was calculated

    Estimates are for informational purposes only. Actual taxes and fees may vary based on your location, vehicle, transaction and current state rules.

    Financing the tax has a price

    If you roll sales tax and fees into the loan, you pay interest on them for as long as the loan lasts. Financing $1,500 of tax at 6% over 60 months adds about $240 in interest on top of the tax itself.

    Tick or untick the box that rolls tax and fees into the loan. When you leave them out, the calculator shows how much you would need to pay at signing instead, so you can compare the two.

    What to compare

    • Monthly payment. Usually lower when tax and fees are financed.
    • Total interest. Higher when tax and fees are financed.
    • Cash due at signing. Higher when you pay tax and fees yourself.

    The right choice depends on your cash and on the APR. If you can pay the tax without touching an emergency fund, it is often cheaper over the life of the loan.

    Frequently Asked Questions

    Can I roll sales tax into a car loan?

    Many lenders allow it, as long as the total stays within what they will lend against the vehicle. Ask your lender before you assume it.

    Does financing the tax change the tax owed?

    No. The tax is the same either way. Financing only changes how much interest you pay over time.

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