car_loan

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What a car actually costs you a month — priced for your market, where tax may or may not already be in the sticker. A car payment depends on something most calculators quietly assume: whether tax is added at purchase or already sitting in the advertised price. In the US, Canada and Japan it is added on top — and in most US states a trade-in is credited before tax is worked out. In the UK, the EU, Australia, Singapore and India, VAT or GST is already inside the sticker, so adding it again overstates the loan by the full tax rate. Pick the market and the rest follows, together with the negative-equity warning the dealership finance office will not give you.