Car payment calculator: estimate your auto loan payment

Updated 7 November 2026 · ClearCost USA · 4 min read

Enter the amount, interest rate and term to see your monthly payment, the total interest and a year-by-year balance. Below the calculator you can open ready-made tables for popular amounts from $10,000 to $70,000. It works as a car payment calculator and estimator: enter the price, interest rate and term to calculate your monthly car payment.
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How the payment is worked out

The payment is the amount that clears the loan exactly by the end of the term when interest is charged each month on what is still owed. Early payments are mostly interest and later payments are mostly capital, which is why the balance falls slowly at first.

A shorter term raises the payment but cuts the interest. A longer term does the opposite. Use the amount pages below to compare terms side by side.

Choose your loan amount

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All Auto Loan Payments pages (63)

Sources and further reading

Questions people ask

How is the monthly auto loan payment calculated?
Payment = loan amount × monthly rate ÷ (1 − (1 + monthly rate)^−number of months). The calculator on this page does it for you.

Results are estimates for information only, not financial advice. Read the full disclaimer.

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