The real cost
of a car,
made clear.
Free calculators for auto loans, lease-vs-buy, fuel, EV charging, and the full cost of ownership. The math is shown, runs privately in your browser. No accounts, no tracking.
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- Calculators
- 22
- To an answer
- ~30s
What the car really costs to borrow.
Loan payment, lease vs buy, what you can actually afford, and what extra payments save you.
- 01
Auto Loan
Monthly payment, total interest, full amortization.
Open - 02
Lease vs Buy
Total cost of leasing vs financing the same car.
Open - 03
Car Affordability
How much car you can actually afford on your income.
Open - 04
Auto Loan Early Payoff
Interest saved and months cut by paying extra.
Open - 05
Auto Loan Refinance
Interest saved and months to break even on refi fees.
Open - 06
0% APR vs Cash Rebate
Which manufacturer promo actually costs less.
Open - 07
Out-the-Door Price
Sticker plus tax, doc fee, and registration — the real total.
Open - 08
Negative Equity
How much underwater you are, and what rolling it costs.
Open - 09
Lease Buyout
Buy out at residual, or return — the equity decides.
Open - 10
Lease Payment
Monthly lease payment from cap cost, residual, money factor.
Open - 11
Lease Mileage Overage
Projected excess-mileage bill at lease-end.
Open
What it costs to keep it on the road.
Fuel, charging, the full cost of ownership, and business-mile reimbursement.
- 01
Fuel Cost
Cost per trip and per year at your MPG and gas price.
Open - 02
EV Charging Cost
Cost per charge, per mile, per year for an EV.
Open - 03
True Cost of Ownership
Real $/year and $/mile after depreciation + everything.
Open - 04
Cost Per Mile
All-in cost to drive one mile — fuel plus everything.
Open - 05
MPG / Gas Mileage
Real MPG from a tank, plus cost per mile and per year.
Open - 06
Mileage Reimbursement
Business-mile deduction at the current IRS rate.
Open
Depreciation, EV math, tires, towing.
What the car is worth over time, gas vs electric, and the physical-spec math most owners get wrong.
- 01
Car Depreciation
Projected resale value year by year.
Open - 02
Gas vs Electric Total Cost
Lifetime cost of an ICE car vs an equivalent EV.
Open - 03
New vs Used Car
Multi-year cost of buying new vs a used equivalent.
Open - 04
Tire Size
Dimension conversion + speedometer error.
Open - 05
Towing Capacity & Payload
Whether your setup is within safe tow + payload limits.
Open