Car Loan Calculator
Why this site exists
Most car loan calculators apply one tax rate to the whole price. Real car purchases don't work that way. Whether your trade-in lowers the tax, whether a rebate does, and whether there's a cap or a higher rate on expensive cars all depend on your state. Getting those rules wrong can be off by hundreds of dollars, so every calculator here applies your state's actual rules.
Who runs it
Xavier E. builds and maintains the site. This site was created to try to help others plan for their next car purchase. Figuring out the finances is the hardest part after finding the car and having that information before you get to the dealer helps you stay within your financial means.
How we keep it accurate
- Every state's tax rate and trade-in rule is checked against an official state source, and each state page links to it with the date it was checked.
- We re-check the data at least once a year, because states do change these rules.
- The math is covered by automated tests, including checks against independent calculators.
- The methodology page explains every formula and assumption.
If you find a mistake, tell us and we will correct confirmed errors.
How the site makes money
The calculators are free and don't require an account.
There are currently no ads or affiliate links. If that changes, this page and our privacy policy will say so.
Not financial advice
These are estimates to help you plan. They aren't financial, tax or legal advice. Your lender, dealer and state DMV have the final numbers.