Car Buying Calculators
Know exactly what you're paying. These tools reveal the true cost behind every deal.
How to Use These Calculators
Don't walk into a dealership unprepared. Use these tools to understand the real numbers before you negotiate.
True Cost Calculator
Enter the sticker price, your down payment, interest rate, and loan term. See how much you'll actually pay over time—not just the monthly payment.
Lease vs Buy
Compare leasing and buying side-by-side. Factor in how long you'll keep the car and see which option saves you more money.
Trade-In Savings
Trading in? See how much you'll save on sales tax by applying your trade-in value. This can save you hundreds or thousands.
Money Factor
Leasing? Dealers hide interest rates using "money factor." Convert it to APR to compare with other financing options.
True Cost Calculator
See what that "low monthly payment" really costs you.
Pro Tip
Dealers love stretching loans to 72-84 months to lower your payment. But watch what happens to your total cost below!
See How Loan Length Affects Your Cost
Longer loans = lower payments, but you pay WAY more in total.
Lease vs Buy Calculator
Which option makes more sense for your situation?
Quick Comparison
Trade-In Tax Savings
Your old car can save you money on taxes. Here's how much.
How Trade-In Tax Savings Work
In most states, when you trade in your old car, you only pay sales tax on the difference between the new car price and your trade-in value. It's like getting a discount on your taxes!
Without Trade-In
With Trade-In
Your Tax Savings
$840
That's money back in your pocket just for trading in!
Money Factor Decoder
Convert confusing lease money factors into real interest rates.
Dealer Markup Alert
Dealers can mark up the money factor for extra profit. Always ask "What's the buy rate?" and negotiate down to it. A tiny change in money factor can cost you hundreds!
Quick Select Common Values
Equivalent Interest Rate (APR)
3.00%
This is a reasonable rate for most buyers.
The Formula
Money Factor × 2400 = APR%
Money Factor Quick Reference
| Money Factor | APR Equivalent | Rating | What To Do |
|---|---|---|---|
| 0.00042 | 1.0% | Excellent | Promotional rate - grab it! |
| 0.00083 | 2.0% | Excellent | Great rate, take the deal |
| 0.00125 | 3.0% | Good | Fair rate, try to negotiate lower |
| 0.00188 | 4.5% | Fair | Ask for the "buy rate" |
| 0.00250 | 6.0% | Poor | Definitely negotiate this down |
| 0.00333+ | 8.0%+ | Very Poor | Walk away or demand better |
Research Before You Buy
Use these trusted resources to know the fair price and vehicle history before you negotiate.