Car Payment Calculator
For Every US State
The only car payment calculators that use your state’s real tax rate, TTL fees and doc fee caps — not generic national averages.
Monthly Payment Calculator
Your base payment with state tax pre-filled. Sliders for price, down payment, rate and term. Includes credit score APR guide.
Full TTL Breakdown
Complete Tax, Title & License calculation — every state fee shown line by line. Option to roll fees into loan or pay upfront.
With Trade-In Calculator
Correctly applies your state’s trade-in tax rules. Shows the exact tax saving you get (or don’t) in your state.
Affordability Calculator
Income-based calculator showing your maximum car price in your state. Includes DTI ratio check and lender verdict.
Full Payment Schedule
Month-by-month amortization table showing every payment split into principal and interest over the loan term.
Tax Rates Vary Wildly
Tennessee buyers pay up to 9.75% combined tax. Montana and Oregon buyers pay $0. On a $35,000 car that’s a $3,412 difference. Generic calculators hide this from you.
Doc Fees Are Unregulated in Most States
Texas caps dealer doc fees at $150. Florida has no cap — dealers average $998. California caps at $80. Knowing your state’s cap is money in your pocket at the dealership.
Trade-In Rules Differ By State
Most states tax only the price after your trade-in. California, Maryland and Kentucky tax the full price. On an $8,000 trade-in that’s a $500 difference in tax — invisible in generic calculators.
| State | Sales Tax | Doc Fee | Trade-In Credit? | Calculator |
|---|---|---|---|---|
| 🤠 Texas | 6.25% | $150 cap | Yes ✓ | Open → |
| 🌴 California | 7.25–10.25% | $80 cap | No ✗ | Open → |
| 🌴 Florida | 6% | No cap (~$998) | Yes ✓ | Open → |
| 🗽 New York | 4–8.875% | $175 avg | Yes ✓ | Open → |
| 🍑 Georgia | 6.6% TAVT | Varies | Yes ✓ | Open → |
| 🌲 Oregon | 0% — No Tax | $115 cap | Yes ✓ | Open → |
| 🌲 North Carolina | 3% (capped $2k) | Varies | Yes ✓ | Open → |
| 🎸 Tennessee | Up to 9.75% | No cap | Yes ✓ | Open → |