Auto Calculators

Buying or leasing a vehicle is usually the second-largest financial decision a household makes after housing. The numbers go well beyond the sticker price: depreciation, financing, insurance, fuel, maintenance, and registration all stack up. A new car loses 20-25% of its value the first year and roughly 60% by year five — meaning the "monthly payment" most buyers focus on understates the true cost of ownership substantially.

Our auto calculators are designed to surface those hidden costs. The auto loan calculator handles standard amortization including taxes, fees, and trade-in value. The lease-vs-buy calculator runs both scenarios in parallel and identifies which is cheaper over your expected ownership period — a question whose answer depends heavily on miles driven, lease residuals, and how long you'd keep a purchased car. Auto refinance and car loan payoff calculators show whether refinancing or accelerating principal payments saves money for your specific loan.

Specialty financing is covered with dedicated calculators for motorcycle loans, RV loans, and the EV-specific federal tax credit (Inflation Reduction Act §30D). The EV savings calculator compares total cost of ownership against a comparable gasoline vehicle, factoring in electricity cost, federal credit, and projected fuel savings. The car depreciation calculator uses the industry-standard double-declining-balance method to estimate resale value year-by-year.

Beyond financing, we have technical calculators for horsepower-to-torque conversion and tire size matching — useful for performance enthusiasts and people swapping wheel-and-tire packages.

Loan calculations use the standard amortization formula. Depreciation estimates use industry averages from Edmunds and Kelley Blue Book benchmarks; actual resale depends on make, model, condition, and market timing. EV credit calculations reflect current IRS guidance and may change as the rules around manufacturer sourcing, battery components, and income limits evolve. Always verify final pricing and fees with your dealer's buyer's order, not our estimates.