Car-cost math, shown
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, and it runs in your browser — no accounts, nothing sent to a server.
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What the car really costs to borrow.
Loan payment, lease vs buy, what you can actually afford, and what extra payments save you.
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Auto Loan
Monthly payment, total interest, full amortization.
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Lease vs Buy
Total cost of leasing vs financing the same car.
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Car Affordability
How much car you can actually afford on your income.
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Auto Loan Early Payoff
Interest saved and months cut by paying extra.
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Auto Loan Refinance
Interest saved and months to break even on refi fees.
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0% APR vs Cash Rebate
Which manufacturer promo actually costs less.
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Cash vs Finance
Pay cash or take the loan — the honest break-even.
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Out-the-Door Price
Sticker plus tax, doc fee, and registration — the real total.
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Upfit Cost
What work equipment adds to the truck — and to the loan.
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Negative Equity
How much underwater you are, and what rolling it costs.
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Lease Buyout
Buy out at residual, or return — the equity decides.
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Early Lease Exit
Leave mid-lease, or ride it out — payments count too.
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Lease Payment
Monthly lease payment from cap cost, residual, money factor.
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Lease Mileage Overage
Projected excess-mileage bill at lease-end.
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What it costs to keep it on the road.
Fuel, charging, the full cost of ownership, and business-mile reimbursement.
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Fuel Cost
Cost per trip and per year at your MPG and gas price.
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EV Charging Cost
Cost per charge, per mile, per year for an EV.
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True Cost of Ownership
Real $/year and $/mile after depreciation + everything.
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Cost Per Mile
All-in cost to drive one mile — fuel plus everything.
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MPG / Gas Mileage
Real MPG from a tank, plus cost per mile and per year.
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Mileage Reimbursement
Business-mile deduction at the current IRS rate.
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Depreciation, EV math, tires, towing.
What the car is worth over time, gas vs electric, and the physical-spec math most owners get wrong.
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Car Depreciation
Projected resale value year by year.
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Gas vs Electric Total Cost
Lifetime cost of an ICE car vs an equivalent EV.
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New vs Used Car
Multi-year cost of buying new vs a used equivalent.
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Tire Size
Dimension conversion + speedometer error.
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Towing Capacity & Payload
Whether your setup is within safe tow + payload limits.
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