Purchase Calculator Worksheet

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Car Deal Calculator (Out-the-Door Price & Payment Breakdown)

The car deal math most dealers never explain.

Break down your entire deal — price, taxes, trade, fees, and payment — before you step into a dealership.

Why Most Car Buyers Get Confused

Most people focus on the monthly payment…

…but the real numbers are:

Selling price
Trade difference
Taxes
Fees

👉 That’s what actually determines your deal.

This tool shows you the full math behind the deal, so nothing is hidden.

AutoShoppingIQ — Car Deal Calculator

Purchase Details

Retail Price (MSRP) ($) Savings ($) (discount off MSRP) Sales Price ($) (auto from MSRP − Savings; editable) Trade Allowance ($) Trade Payoff ($)

Trade Equity: $0.00

Accessories ($) Service Contract ($) GAP Insurance ($) Government Fees ($) Proc/Doc Fees ($)

Sales Tax Rate (%)

Apply trade-in tax credit i In some states, your taxable amount is reduced by the trade-in value. If enabled, we tax (Sales + Accessories + Service + GAP − Trade Allowance).

Override tax amount manually

Total Taxes ($) (auto unless overridden) Rebate ($) Cash Down ($)

Summary Insight — Total Amount Financed

$0.00

After cash down, trade equity, and rebates applied.

Summary Insight — Total Out-the-Door Amount (1) iThis represents your total purchase cost before any cash down payment is applied.

$0.00

Summary Insight — Total Savings (2) iIncludes all manufacturer rebates and dealer discounts off MSRP.

$0.00

Includes $0.00 discount + $0.00 rebate.

Retail Price (MSRP): $34,195 • Sales Price: $34,195 • Total Taxes: $2,308 • Total Sales Price: $36,928 • Total Out-the-Door: $36,928 • Amount Financed: $36,928

Payment Options (Preset Terms, Editable APRs)

Term 1 (months)

APR 1 (%)

Term 2 (months)

APR 2 (%)

Term 3 (months)

APR 3 (%)

Scenario Down A ($)

Scenario Down B ($)

Scenario Down C ($)

All figures are estimates and provided for educational purposes only. Actual payments, residual values, and terms may vary by lender, dealer, and location.

(1) Total Out-the-Door = price before any down payment. (2) Total Savings = total of dealer discount and manufacturer rebate.

How to Use This Calculator

Set Your Budget

Enter the vehicle price, down payment, loan term, and interest rate.

Include Trade & Fees

Add trade value, payoff, and dealer fees.

Calculate Your Deal

See your real monthly payment instantly.

Compare Scenarios

Adjust inputs to see how your deal changes

FREQUENTLY ASKED QUESTIONS

How is my car payment calculated?
Your payment depends on your loan amount, interest rate, term, and sales tax. The calculator uses standard amortization formulas for accuracy.
Does this include taxes and fees?
Yes, you can add your local tax rate to get an out-the-door estimate.
What is a good car payment for my income?
Many experts suggest keeping your car payment under 15% of your monthly take-home pay.
Can I use this for used cars?
Absolutely — enter the used vehicle’s purchase price and any applicable loan rate

Want to go even deeper?

• Compare lenders with the Interest Rate Tool

• Use the Lease Calculator to compare options

👉 This tool shows the deal — these tools help you optimize it.