Car Loan Calculator
Car purchase cost in one view: down payment, monthly payment, purchase tax, first-year insurance and registration fee estimates, plus total loan interest and the final out-of-pocket total.
Purchase tax rules and insurance rates vary by region and policy — figures are estimates for reference.
On-road price
Loan composition
One-time costs
What is it
Buying a car usually means a loan plus a stack of one-time costs. This calculator separates the loan — down payment, monthly payment and total interest — from the one-time fees: purchase tax, first-year insurance and registration, then adds everything into the real out-of-pocket total and the on-road price.
Notes & fun facts
Dealers love to quote a tiny monthly payment. The trick is that purchase tax, insurance and registration are usually paid upfront, and the interest quietly lives inside the monthly payment. Adding them up is the only honest way to compare financing offers.
Origin & history
Auto loans grew with car culture in the 2000s in China. Purchase tax on new cars and first-year insurance became standard budget lines, and new energy vehicles got a purchase tax exemption starting in 2014, renewed through 2025 — which this calculator lets you model with one toggle.
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