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Car Payment Calculator with Sales Tax

See a monthly payment that includes tax and fees, not just the sticker price.

Calculate Your Car Payment 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.

    Why the payment is higher than the price suggests

    A payment calculator that only uses the vehicle price leaves out the tax and fees that sit on top of it. Those can add up to several percent of the price, and when they are rolled into the loan you pay interest on them too.

    This calculator adds sales tax, title, registration and dealer fees first, subtracts your down payment and trade-in, and then works out the payment for the amount left.

    How the payment is calculated

    The monthly payment is a standard amortized loan payment: the amount financed, the APR divided by twelve, and the number of months. With a 0% APR the amount financed is split evenly across the months.

    Every $1,000 you finance at 6% for 60 months costs about $19 a month. That is a quick way to see what a bigger down payment or a lower tax bill is worth.

    Frequently Asked Questions

    Is sales tax included in the car payment?

    Only if it is financed. When tax and fees are rolled into the loan, they are part of the amount financed and earn interest. If you pay them up front, the payment is smaller.

    Does a down payment reduce sales tax?

    No. Sales tax is based on the price and your trade-in, not on how you pay. A down payment lowers the amount you finance.

    Is the payment quoted by the dealer the same as this estimate?

    Not necessarily. Dealer quotes can include add-ons, a different fee total or a different APR. Ask for the out-the-door price and compare.

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