Car-buying math, done honestly

Free calculators for the numbers that decide what a car really costs you: the out-the-door price, the loan, the trade-in, and the financing a dealer offers. No sign-up. Everything runs in your browser, and nothing you enter is sent to a server.

Car-buying calculators

Out-the-door price and dealer quote checker Type in a dealer's quote. See the true out-the-door price, which charges are optional, and the real APR behind the monthly payment. How much car can I afford? Start from your income or a monthly payment and get a maximum car price, including tax, fees and trade-in, checked against the 20/4/10 rule. Lease vs. buy calculator Build the lease payment from price, residual and money factor, then compare the total cost of leasing and buying the same car. Negative equity calculator Chart your loan balance against the car's value. See how long you will be underwater and how much more down would avoid it. Car cost of ownership calculator Compare two cars over the years you will own them: depreciation, fuel or charging, insurance, maintenance and more. Gas vs. electric vs. hybrid. Refinance and early payoff calculator Find out whether refinancing saves money overall, not just per month, and what extra payments or a lump sum save. Auto loan calculator Your real car payment with trade-in, money still owed on your current car, sales tax and fees. Compare 36 to 84 month terms side by side.

Car-buying guides

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How these calculators work

Every calculator uses the standard fixed-rate amortization math lenders use. The worked examples on each page are produced by the same code that runs the calculator and are checked by automated tests, so the numbers in the explanations match what the tool gives you. Factual claims link to their sources, mostly the FTC and the Consumer Financial Protection Bureau.

Results are estimates for informational purposes. For a decision as large as a car loan, read your contract and its Truth in Lending disclosure before you sign.

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