Auto Loan Calculator
Enter the price, your down payment, any trade-in, the APR and the term to see the monthly payment, the interest and the total cost. The loan math is the same everywhere; what changes by state is the tax charged when the car is titled, so enter the rate on your dealer quote or pick a state to fill its rate where its own statute or revenue agency sets one. Starts with Texas as an example.
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Additional Details
Monthly Payment
Estimated • Based on your inputs
Total Cost
$37,787.00
Detailed Breakdown
Disclaimer: This calculator provides estimates for informational purposes only. Results should not be considered financial, tax, or legal advice. Consult a qualified professional for your specific situation.
How this calculator works
The amount financed is the price plus the vehicle tax, minus the down payment and the trade-in. The tax is your rate times the price minus the trade-in, because most states tax only the difference; where your state taxes the full price, set the trade-in to zero and take it off the down payment instead. The monthly payment is ordinary amortization: P x r(1+r)^n / ((1+r)^n - 1), with r the APR divided by 12 and n the months. Title, registration, dealer documentation fees and add-ons are left out; put them in the price if you are financing them.
Source: State statutes and revenue or motor vehicle agency pages (table below) checked
Tax on a vehicle purchase by state
What each state charges when a car is bought and titled, from that state's own statute or agency page, read 2026-10-21. The tax column is a $35,000 dealer purchase with no trade-in. States without a figure are left for your quote.
| State | Vehicle tax | Tax on $35,000 | Source |
|---|---|---|---|
| Alabama | Alabama's state rate on a vehicle is its 2% automotive sales and use tax rate, half the 4% general rate; local rates are not included. | $700 at the state rate, before local tax | Alabama Department of Revenue, state sales and use tax rate table (Sales Tax Auto); read 2026-10-21 |
| Alaska | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Alaska Division of Motor Vehicles and your borough or city. | Not priced | Your dealer quote |
| Arizona | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Arizona Department of Revenue. | Not priced | Your dealer quote |
| Arkansas | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Arkansas Department of Finance and Administration. | Not priced | Your dealer quote |
| California | California taxes a vehicle under its ordinary sales and use tax: 7.25% statewide plus the district taxes where you live. | $2,538 at the state rate, before local tax | CDTFA statewide and district rate list, with Regulation 1610 on vehicles; read 2026-10-21 |
| Colorado | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Colorado Department of Revenue. | Not priced | Your dealer quote |
| Connecticut | Connecticut charges 6.35% on a passenger car or light truck, and 7.75% when the price is over $50,000. | $2,223 | Connecticut DMV, sales tax on vehicle registrations; read 2026-10-21 |
| Delaware | Delaware has no sales tax; titling a vehicle costs a document fee of $5.25 for each $100 of the price above $500. | $1,825 | Delaware Code, Title 30, Chapter 30 (motor vehicle document fee, § 3002); read 2026-10-21 |
| Florida | Florida charges its 6% sales tax plus the surtax of the county where the buyer lives; for some sales that surtax reaches only the first $5,000. | $2,100 at the state rate, before local tax | Florida Department of Revenue, sales and use tax; read 2026-10-21 |
| Georgia | Georgia charges a one-time title ad valorem tax (TAVT) of 7.0% of the fair market value when the vehicle is titled, in place of sales tax. | $2,450 | Georgia Department of Revenue, title ad valorem tax (TAVT); read 2026-10-21 |
| Hawaii | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Hawaii Department of Taxation. | Not priced | Your dealer quote |
| Idaho | Idaho applies its 6% sales tax to a vehicle sold at retail. | $2,100 | Idaho Code § 63-3619 (sales tax rate); read 2026-10-21 |
| Illinois | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Illinois Department of Revenue. | Not priced | Your dealer quote |
| Indiana | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Indiana Department of Revenue. | Not priced | Your dealer quote |
| Iowa | Iowa charges a fee for new registration of 5% of the purchase price plus $10. | $1,760 | Iowa Code § 321.105A (fee for new registration); read 2026-10-21 |
| Kansas | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Kansas Department of Revenue. | Not priced | Your dealer quote |
| Kentucky | Kentucky collects a 6% motor vehicle usage tax on the retail price when you title the vehicle with the county clerk. | $2,100 | Fayette County Clerk (Kentucky), titling and registering a new vehicle; read 2026-10-21 |
| Louisiana | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Louisiana Office of Motor Vehicles. | Not priced | Your dealer quote |
| Maine | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with Maine Revenue Services. | Not priced | Your dealer quote |
| Maryland | Maryland charges a 6.5% titling excise tax on the vehicle's fair market value. | $2,275 | Maryland Transportation Article § 13-809 (excise tax); read 2026-10-21 |
| Massachusetts | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Massachusetts Department of Revenue. | Not priced | Your dealer quote |
| Michigan | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Michigan Department of Treasury. | Not priced | Your dealer quote |
| Minnesota | Minnesota charges a 6.875% motor vehicle sales tax on the purchase price. | $2,406 | Minnesota Statutes § 297B.02 (motor vehicle sales tax); read 2026-10-21 |
| Mississippi | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Mississippi Department of Revenue. | Not priced | Your dealer quote |
| Missouri | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Missouri Department of Revenue. | Not priced | Your dealer quote |
| Montana | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Montana Motor Vehicle Division. | Not priced | Your dealer quote |
| Nebraska | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Nebraska Department of Revenue. | Not priced | Your dealer quote |
| Nevada | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Nevada Department of Taxation. | Not priced | Your dealer quote |
| New Hampshire | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the New Hampshire Division of Motor Vehicles. | Not priced | Your dealer quote |
| New Jersey | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the New Jersey Division of Taxation. | Not priced | Your dealer quote |
| New Mexico | New Mexico charges a 4% motor vehicle excise tax (MVET) on the price paid, after any trade-in allowance, instead of gross receipts tax. | $1,400 | NMSA 1978 § 7-14-4 (motor vehicle excise tax rate), NMOneSource; read 2026-10-21 |
| New York | New York charges its 4% state sales tax plus the county or city rate; New York City's combined rate is 8.875%. | $1,400 at the state rate, before local tax | New York State Department of Taxation and Finance, Publication 718 (rates effective March 1, 2025); read 2026-10-21 |
| North Carolina | North Carolina charges a 3% highway use tax when the vehicle is titled. | $1,050 | N.C. Gen. Stat. § 105-187.3 (highway use tax rate); read 2026-10-21 |
| North Dakota | North Dakota charges a 5% motor vehicle excise tax on the purchase price. | $1,750 | N.D. Century Code § 57-40.3-02 (motor vehicle excise tax); read 2026-10-21 |
| Ohio | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Ohio Department of Taxation. | Not priced | Your dealer quote |
| Oklahoma | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Oklahoma Tax Commission. | Not priced | Your dealer quote |
| Oregon | Oregon has no general sales tax; a dealer selling a vehicle not yet registered in Oregon owes a 0.5% privilege tax on the retail price and passes it to the buyer. | $175 | Oregon Revised Statutes § 320.405 (vehicle privilege tax); read 2026-10-21 |
| Pennsylvania | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Pennsylvania Department of Revenue. | Not priced | Your dealer quote |
| Rhode Island | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Rhode Island Division of Taxation. | Not priced | Your dealer quote |
| South Carolina | South Carolina charges an infrastructure maintenance fee of 5% of the purchase price, capped at $500, instead of sales tax. | $500 | South Carolina DMV, fees; read 2026-10-21 |
| South Dakota | South Dakota charges a 4% motor vehicle excise tax on the purchase price, in lieu of sales tax. | $1,400 | South Dakota Codified Laws § 32-5B-1 (motor vehicle excise tax); read 2026-10-21 |
| Tennessee | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Tennessee Department of Revenue. | Not priced | Your dealer quote |
| Texas | Texas charges a 6.25% motor vehicle sales tax on the sales price minus any trade-in allowance. | $2,188 | Texas Comptroller of Public Accounts, motor vehicle sales and use tax; read 2026-10-21 |
| Utah | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Utah State Tax Commission. | Not priced | Your dealer quote |
| Vermont | Vermont charges a 6% purchase and use tax on the taxable cost of a passenger car. | $2,100 | 32 V.S.A. § 8903 (motor vehicle purchase and use tax); read 2026-10-21 |
| Virginia | Virginia charges a 4.15% motor vehicle sales and use tax on the sale price, with a $75 minimum. | $1,453 | Code of Virginia § 58.1-2402 (motor vehicle sales and use tax); read 2026-10-21 |
| Washington | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Washington Department of Revenue. | Not priced | Your dealer quote |
| West Virginia | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the West Virginia Division of Motor Vehicles. | Not priced | Your dealer quote |
| Wisconsin | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Wisconsin Department of Revenue. | Not priced | Your dealer quote |
| Wyoming | Not priced here: the general sales tax rate may not be what a vehicle pays. Use the rate on your dealer quote, or check with the Wyoming Department of Revenue. | Not priced | Your dealer quote |
Local sales taxes, title and registration fees, and yearly property or ad valorem taxes on vehicles are not in this table. Registration costs are in the vehicle registration section.
- Alabama: Alabama Department of Revenue, state sales and use tax rate table (Sales Tax Auto)
- California: CDTFA statewide and district rate list, with Regulation 1610 on vehicles
- Connecticut: Connecticut DMV, sales tax on vehicle registrations
- Delaware: Delaware Code, Title 30, Chapter 30 (motor vehicle document fee, § 3002)
- Florida: Florida Department of Revenue, sales and use tax
- Georgia: Georgia Department of Revenue, title ad valorem tax (TAVT)
- Idaho: Idaho Code § 63-3619 (sales tax rate)
- Iowa: Iowa Code § 321.105A (fee for new registration)
- Kentucky: Fayette County Clerk (Kentucky), titling and registering a new vehicle
- Maryland: Maryland Transportation Article § 13-809 (excise tax)
- Minnesota: Minnesota Statutes § 297B.02 (motor vehicle sales tax)
- New Mexico: NMSA 1978 § 7-14-4 (motor vehicle excise tax rate), NMOneSource
- New York: New York State Department of Taxation and Finance, Publication 718 (rates effective March 1, 2025)
- North Carolina: N.C. Gen. Stat. § 105-187.3 (highway use tax rate)
- North Dakota: N.D. Century Code § 57-40.3-02 (motor vehicle excise tax)
- Oregon: Oregon Revised Statutes § 320.405 (vehicle privilege tax)
- South Carolina: South Carolina DMV, fees
- South Dakota: South Dakota Codified Laws § 32-5B-1 (motor vehicle excise tax)
- Texas: Texas Comptroller of Public Accounts, motor vehicle sales and use tax
- Vermont: 32 V.S.A. § 8903 (motor vehicle purchase and use tax)
- Virginia: Code of Virginia § 58.1-2402 (motor vehicle sales and use tax)
Frequently Asked Questions
How much does the vehicle tax add to a car payment?
With the starting figures (a $35,000 car, $5,000 down, 6.5% APR over 60 months), Texas's 6.25% adds $2,188 to the amount financed and moves the payment from $587 to $630 a month. Paying the tax in cash instead keeps the payment at $587.
Is the tax on a car the same as my state's sales tax?
Often not. Of the 21 states with a figure in the table below, Georgia, North Carolina, South Carolina, New Mexico and several others charge a separate title tax, excise or fee, and Alabama's automotive rate is half its general rate. Use the rate printed on your dealer's buyer's order; the picker only fills a state-level rate.
Does a trade-in lower the tax?
In most states the tax is charged on the price after the trade-in allowance, which is how this calculator works. Some states tax the full price; if yours does, enter the trade-in as part of the down payment.
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