Car payment chart
Find the monthly payment for any car price and loan length in the chart below, then use the calculator to try your own rate, down payment and fees.
Amortization schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | $5,192.99 | $1,935.49 | $24,807.01 |
| 2 | $5,568.37 | $1,560.11 | $19,238.64 |
| 3 | $5,970.94 | $1,157.54 | $13,267.70 |
| 4 | $6,402.57 | $725.91 | $6,865.13 |
| 5 | $6,865.13 | $263.07 | $0.00 |
Car payment chart at 5% APR
Each cell is the monthly payment on the amount financed (price after any down payment, with tax and fees added). Read across for the term and down for the price. Subtract your down payment and trade-in from the price first.
| Amount financed | 3-year | 4-year | 5-year | 6-year | 7-year |
|---|---|---|---|---|---|
| $5,000 | $149.85 | $115.15 | $94.36 | $80.52 | $70.67 |
| $10,000 | $299.71 | $230.29 | $188.71 | $161.05 | $141.34 |
| $15,000 | $449.56 | $345.44 | $283.07 | $241.57 | $212.01 |
| $20,000 | $599.42 | $460.59 | $377.42 | $322.10 | $282.68 |
| $25,000 | $749.27 | $575.73 | $471.78 | $402.62 | $353.35 |
| $30,000 | $899.13 | $690.88 | $566.14 | $483.15 | $424.02 |
| $35,000 | $1,048.98 | $806.03 | $660.49 | $563.67 | $494.69 |
| $40,000 | $1,198.84 | $921.17 | $754.85 | $644.20 | $565.36 |
| $45,000 | $1,348.69 | $1,036.32 | $849.21 | $724.72 | $636.03 |
| $50,000 | $1,498.54 | $1,151.46 | $943.56 | $805.25 | $706.70 |
| $55,000 | $1,648.40 | $1,266.61 | $1,037.92 | $885.77 | $777.36 |
| $60,000 | $1,798.25 | $1,381.76 | $1,132.27 | $966.30 | $848.03 |
| $65,000 | $1,948.11 | $1,496.90 | $1,226.63 | $1,046.82 | $918.70 |
| $70,000 | $2,097.96 | $1,612.05 | $1,320.99 | $1,127.35 | $989.37 |
| $75,000 | $2,247.82 | $1,727.20 | $1,415.34 | $1,207.87 | $1,060.04 |
Car payment chart at 7% APR
The same chart at 7% APR. A higher rate makes longer terms more expensive: compare the 84-month column with the 48-month column to see how much of the extra cost is interest.
| Amount financed | 3-year | 4-year | 5-year | 6-year | 7-year |
|---|---|---|---|---|---|
| $5,000 | $154.39 | $119.73 | $99.01 | $85.25 | $75.46 |
| $10,000 | $308.77 | $239.46 | $198.01 | $170.49 | $150.93 |
| $15,000 | $463.16 | $359.19 | $297.02 | $255.74 | $226.39 |
| $20,000 | $617.54 | $478.92 | $396.02 | $340.98 | $301.85 |
| $25,000 | $771.93 | $598.66 | $495.03 | $426.23 | $377.32 |
| $30,000 | $926.31 | $718.39 | $594.04 | $511.47 | $452.78 |
| $35,000 | $1,080.70 | $838.12 | $693.04 | $596.72 | $528.24 |
| $40,000 | $1,235.08 | $957.85 | $792.05 | $681.96 | $603.71 |
| $45,000 | $1,389.47 | $1,077.58 | $891.05 | $767.21 | $679.17 |
| $50,000 | $1,543.85 | $1,197.31 | $990.06 | $852.45 | $754.63 |
| $55,000 | $1,698.24 | $1,317.04 | $1,089.07 | $937.70 | $830.10 |
| $60,000 | $1,852.63 | $1,436.77 | $1,188.07 | $1,022.94 | $905.56 |
| $65,000 | $2,007.01 | $1,556.51 | $1,287.08 | $1,108.19 | $981.02 |
| $70,000 | $2,161.40 | $1,676.24 | $1,386.08 | $1,193.43 | $1,056.49 |
| $75,000 | $2,315.78 | $1,795.97 | $1,485.09 | $1,278.68 | $1,131.95 |
Car payment chart at 9% APR
The same chart at 9% APR. A higher rate makes longer terms more expensive: compare the 84-month column with the 48-month column to see how much of the extra cost is interest.
| Amount financed | 3-year | 4-year | 5-year | 6-year | 7-year |
|---|---|---|---|---|---|
| $5,000 | $159.00 | $124.43 | $103.79 | $90.13 | $80.45 |
| $10,000 | $318.00 | $248.85 | $207.58 | $180.26 | $160.89 |
| $15,000 | $477.00 | $373.28 | $311.38 | $270.38 | $241.34 |
| $20,000 | $635.99 | $497.70 | $415.17 | $360.51 | $321.78 |
| $25,000 | $794.99 | $622.13 | $518.96 | $450.64 | $402.23 |
| $30,000 | $953.99 | $746.55 | $622.75 | $540.77 | $482.67 |
| $35,000 | $1,112.99 | $870.98 | $726.54 | $630.89 | $563.12 |
| $40,000 | $1,271.99 | $995.40 | $830.33 | $721.02 | $643.56 |
| $45,000 | $1,430.99 | $1,119.83 | $934.13 | $811.15 | $724.01 |
| $50,000 | $1,589.99 | $1,244.25 | $1,037.92 | $901.28 | $804.45 |
| $55,000 | $1,748.99 | $1,368.68 | $1,141.71 | $991.40 | $884.90 |
| $60,000 | $1,907.98 | $1,493.10 | $1,245.50 | $1,081.53 | $965.34 |
| $65,000 | $2,066.98 | $1,617.53 | $1,349.29 | $1,171.66 | $1,045.79 |
| $70,000 | $2,225.98 | $1,741.95 | $1,453.08 | $1,261.79 | $1,126.24 |
| $75,000 | $2,384.98 | $1,866.38 | $1,556.88 | $1,351.92 | $1,206.68 |
Frequently asked questions
How much is the monthly payment on a $30,000 car?
At 7% over 5 years, financing $30,000 costs about $594.04 a month with $5,642 in total interest. Change the inputs above to match your own quote.
Is a longer loan a good idea on $30,000?
A longer term lowers the payment but increases the total interest and keeps you owing money for longer, which raises the chance of owing more than the car is worth. Most lenders and consumer advocates suggest 60 months or less where the budget allows.
Should I include sales tax and fees in the loan?
Many buyers do, and this calculator does it by default. It raises the amount financed, so you pay interest on the tax too. Paying them in cash at signing keeps the loan smaller.
Does this calculator send my numbers anywhere?
No. Every calculation runs in your browser on your device, and nothing you enter is sent to a server or stored.
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Estimates from standard loan formulas, not a loan offer or financial advice. Example rates are assumptions: use your own quote.