Know Your Car Deal — Free Calculator

Thinking about buying a new or used car? Change the numbers below to see what the deal could really cost — before you visit the dealership.

FREE BETA TEST · Sample numbers shown

Before You Begin

Replace the sample numbers with your own figures in the boxes below. Use numbers from a dealer's quote, or your best estimates while shopping. The results update automatically as you change them.

Enter dollar amounts as numbers (for example, 28000 for $28,000). For interest or sales tax, enter the percentage number (for example, 7.5 for 7.5%). Enter loan length in months (for example, 60 for five years). Use 0 if an item does not apply.

The figures already filled in are examples only — not an actual dealer quote.

1. The vehicle and dealer's offer

Vehicle price ($)Trade-in value ($)Amount still owed on trade ($)Dealer fees ($)Sales tax rate (%)Title and registration ($)Optional add-ons ($)Service contracts, GAP coverage, etc.Rebates ($)

2. Your financing choices

Cash down payment ($)Annual interest rate / APR (%)Loan term (months)

Try changing your down payment, interest rate, or loan length. Results update instantly.

3. Your estimated deal

Estimated monthly payment

—

Estimated out-the-door price before trade and financing—

What makes up the out-the-door price?

This estimate adds the vehicle price, dealer fees, estimated sales tax, title and registration, and optional add-ons, then subtracts rebates. It is calculated before applying your trade-in or cash down payment and before loan interest.

Vehicle selling price—

Dealer fees—

Estimated sales tax—

Title and registration—

Optional add-ons—

Less: rebates—

Net trade-in equity—

Amount financed—

Total loan interest—

Total cash paid (down payment + loan payments)—

Estimates only. Sales tax is calculated on the full vehicle price, without trade-in or rebate tax credits; actual taxable amounts vary by state and transaction. The total cash paid figure excludes the value of any trade-in vehicle and is not the full economic cost of the purchase. Loan estimates assume a fixed APR and monthly payments with no extra loan charges. Confirm taxes, fees, APR, and the written out-the-door price with the dealer and lender.

Idea being tested — not for sale yet

Would a side-by-side dealer comparison help?

Imagine comparing up to three car offers, seeing the total cost of each, and printing a simple report to take shopping. No account. No subscription.

Possible one-time price: $4.99.

This feature is only a concept. No payment is being collected. We would test actual purchase demand before building it.