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Car loan calculator: trade-in, sales tax, fees, out-the-door price and payment
Car Loan Calculator works out a car deal the way a dealer's finance office does: price, rebates, trade-in, sales tax and fees down to the amount you finance, the out-the-door price and the real monthly payment — before you sit down to sign. This is a calculator, not a lender. The app does not offer, broker or advertise loans and is not affiliated with any bank, lender or dealership. Every calculation runs on your phone, with no account and no bank connection. DEAL SHEET • Vehicle price − rebates and incentives − trade-in value + what you still owe on the trade-in + sales tax % + fees (doc, title, registration) − down payment = amount financed • Out-the-door price, shown before any financing • Term chips for 36, 48, 60, 72 or 84 months, plus APR • Monthly payment, total interest and total cost of the car • Negative equity warning when you owe more on your trade-in than it is worth • 20/4/10 rule check: at least 20% down, no longer than 4 years, and car costs under 10% of income (income is optional) • Sales tax is charged on the price minus your trade-in • Add your monthly income and insurance to see the highest car price that fits the 10% line FREE • General loan calculator with 4 repayment methods: equal payments (annuity), equal principal (declining payments), flat rate, and promo rate then floating • Full amortization schedule by month or by year, with a remaining-balance chart • Upfront fees counted in a real APR, not just the headline rate • Save 3 loans and reload them with a tap • Payment tracking: tick off each payment and get a reminder on the day you choose • Quick-calculate home-screen widget • PDF export of the schedule (with a small watermark) • 26 currencies, 12 languages, light and dark theme • Solve for any variable: fill in three of amount, rate, term and payment to find the fourth • "If interest rates rise" table: the same loan at +1, +2 and +3 points PRO — LIFETIME, MONTHLY OR 3-MONTH PLAN Buy once for life, or subscribe monthly or every 3 months and cancel anytime in Google Play. Not ready to pay? New installs get 5 free credits to unlock any single tool for 24 hours, and each optional short video earns 1 more. • Lease calculator: monthly lease payment for the same car • How much car can I afford: from a monthly budget to a vehicle price • Extra payments and lump sums: new payoff date and interest saved • Refinance comparison with switching costs and break-even month • Unlimited saved loans, and 2–3 dealer quotes side by side with the cheapest highlighted • PDF without watermark, plus CSV for Excel • Loan widget: next payment, due date and a one-tap Mark paid button • Backup and restore to a file you choose • App lock with fingerprint, face or screen lock • Lease vs buy: lease APR or money factor, residual value and due at signing, with the net cost of leasing and of buying side by side HOW TO USE IT 1. Enter the vehicle price, any rebate, your trade-in and what you still owe on it. 2. Pick a fee preset or type your own sales tax and fees, then your down payment. 3. Tap a term and enter the APR to see the monthly payment, total interest and total cost. 4. Open the schedule, compare dealer quotes or check lease vs buy before you go back to the dealer. PRIVACY The amounts you type stay on this phone: they are never uploaded and there is no account. The app uses Google Analytics and Crashlytics to count which screens are used and to receive crash reports; this never includes your loan figures and can be switched off in Settings. Purchases are handled by Google Play. The free version shows ads from Unity Ads (a banner at the bottom and an occasional full-screen ad between tools), which may use your device's advertising ID; optional reward videos earn extra credits. Pro removes all ads. All results are estimates for information only, not financial advice. Always confirm the exact payment, APR, taxes and fees with your lender or dealer before signing.