All 25 calculators
Full index. Each entry links to the calculator and, where one exists, to the cornerstone guide. Looking for a specific question? See the category overview instead.
What the car really costs to borrow.
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Auto Loan Calculator
Monthly payment, total interest over the loan, and a month-by-month amortization schedule. Supports trade-in, down payment, and sales tax.
Best when financing a car or comparing loan offers.
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Lease vs Buy Calculator
Compares the all-in cost of leasing against buying-and-keeping the same vehicle, including residual value, depreciation, and the cost of capital.
Best when deciding between a lease and a purchase.
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Car Affordability Calculator
Works backward from income, existing debt, and a sane payment-to-income ratio to the car price you can actually carry — not the one the dealer approves you for.
Best before you walk into a dealership.
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Auto Loan Early Payoff
Shows how much interest you save and how many months you cut by adding a fixed extra amount to each payment, or paying a lump sum now.
Best when you have spare cash and a car loan.
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Auto Loan Refinance
Compares your current auto loan against a refi offer — exact interest saved, monthly payment delta, and the months it takes to recoup the refi fees.
Best when shopping a lower rate or shorter term on an existing loan.
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0% APR vs Cash Rebate
Total cost of taking the 0% APR promo on the full price versus taking the cash rebate and financing the smaller balance at your market APR — head-to-head.
Best when the dealer forces a choice between two promos.
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Cash vs Finance Calculator
Weighs paying cash against financing and keeping the money invested — total interest versus investment earnings — and finds the return at which the two options break even.
Best when you have the cash but a loan is on the table.
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Out-the-Door Price Calculator
Turns a negotiated vehicle price into the true out-the-door total: sales tax (with or without trade-in credit), dealer doc fee, registration, and add-ons — and the markup over sticker.
Best when comparing dealer quotes or budgeting the real cash needed.
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Upfit Cost Calculator
Prices a service body, ladder rack, shelving, or liftgate three ways — rolled into the vehicle loan, paid in cash, or on its own equipment note — including the interest it carries and what comes back at resale.
Best when speccing a work vehicle or a fleet order.
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Negative Equity Calculator
Shows whether you owe more than your car is worth, how much negative equity rolls into a new loan, and the extra payment and interest that carry-over creates.
Best when trading in a car you still owe money on.
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Lease Buyout
All-in cost to buy out your lease at the contract residual (price + tax + fees) compared to the car's current used-market value. Positive equity ⇒ buy; negative ⇒ return.
Best at lease end when deciding whether to keep the car.
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Early Lease Exit
Weighs your lease equity (market value − payoff) against the payments, disposition fee, and mileage bill you stop paying by leaving. Compares a third-party buyout against buying the car out and reselling it yourself.
Best when you're mid-lease and want out before term.
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Lease Payment Calculator
Builds a lease payment the way the dealer does — depreciation plus the money-factor rent charge plus tax — and splits out exactly how much of each payment is interest.
Best when checking a lease quote or building your own deal.
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Lease Mileage Overage
Projects whether your real driving blows the lease's mileage cap, the excess charge it triggers at turn-in, and whether buying extra miles up front is cheaper.
Best when you drive a lot and are mid-lease or signing one.
What it costs to keep it on the road.
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Fuel Cost Calculator
What a specific trip or a full year of driving actually costs in fuel, given your real MPG, annual miles, and local gas price.
Best when planning a road trip or budgeting annual driving.
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EV Charging Cost Calculator
Cost to charge an EV at home or public rates — per session, per mile, and per year — including charging losses and battery size.
Best when comparing an EV's running cost to gas.
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True Cost of Ownership
What a car actually costs per year and per mile after depreciation, fuel, insurance, maintenance, and the foregone investment return — not the sticker price.
Best when deciding new vs used, or whether a car earns its keep.
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Cost Per Mile Calculator
The true cost of a mile: fuel, depreciation, insurance, maintenance, and fees, split into fixed and variable — so you can compare it against the IRS standard rate.
Best when setting a mileage rate or sizing real driving cost.
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MPG / Gas Mileage Calculator
Turns the miles and gallons from one fill-up into your real-world MPG — not the EPA estimate — plus cost per mile, L/100km, and what a year of driving burns in fuel.
Best when checking real economy or comparing two cars.
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Mileage Reimbursement
Computes the federal mileage reimbursement / deduction for business driving at the current IRS standard rate, with a breakdown by trip log.
Best when self-employed or claiming business mileage.
Depreciation, EV math, tires, towing.
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Car Depreciation Calculator
Projects a vehicle's value year by year using a configurable depreciation curve, including the year-one cliff and brand-specific retention.
Best when timing a sale or estimating equity.
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Gas vs Electric Total Cost
Side-by-side total cost of an internal-combustion car vs an equivalent EV over your ownership period — purchase, energy, maintenance, incentives.
Best when cross-shopping a gas car against an EV.
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New vs Used Car Calculator
Compares the true cost of a new car against a used equivalent over your hold — depreciation, maintenance, and insurance — and prices the premium you pay to buy new.
Best when deciding whether the new-car premium is worth it.
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Tire Size Calculator
Converts tire size notation to real dimensions and computes the speedometer error and revs-per-mile change when switching to a different size.
Best before buying replacement or plus-size tires.
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Towing Capacity & Payload
Checks a trailer + cargo + passenger load against a vehicle's tow rating, GVWR, and payload — including tongue weight — to flag an over-limit setup.
Best before towing a trailer, boat, or camper.
Don't see what you need?
We're adding calculators each month. On the roadmap: insurance cost by driver profile, registration and title fees by state, maintenance cost by mileage band, and dealer add-on break-even. If there's a specific car-cost calculation you want and we don't have it yet, it's likely already on that list.