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Debt & Loans

Auto Loan Calculator

Calculate a modeled monthly car payment, financing interest, cash paid, and trade-in-adjusted acquisition cost.

Quick mode

Start with the few inputs that usually move the answer most. MFA keeps transparent defaults for the rest until you open them.

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Quick-mode assumptions: $0 trade-in, 8% sales tax, $500 dealer/title fees and “tax full vehicle price” remain active. Open Full to edit them.

Loan Amount

$33,300

Monthly Payment

$667

Total Interest

$6,736

Total Cash Paid

$45,036

Down payment + loan payments

Economic Acquisition Cost

$45,036

Cash paid + trade-in value

This model assumes the trade-in is owned free and clear. If you still owe money on it, add any negative equity rolled into the new loan to Dealer / Title Fees or otherwise increase the financed amount. It also does not model rebates or dealer incentives.

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Inputs, estimates & source dates

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Sharing is separate from saving to My MFA. Public links carry only the scenario inputs needed to reproduce this view.

PNG and PDF use the same high-resolution MFA export layout with result context and assumptions. On iPhone, Save PNG can open the iOS share sheet. MyFriendAlex.org is the full experience · MFA.Money is the short address.

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Educational estimates only. Not financial, tax, investment, legal, payroll, mortgage, or insurance advice. Results may vary based on rates, tax rules, lender terms, state laws, and personal circumstances. Financial values entered into supported calculators may be stored privately with technical data such as IP address for MFA analytics, security, debugging and product improvement. Do not enter account numbers, passwords, Social Security numbers or login credentials. Privacy details.