A dealer-style deal sheet
Vehicle price, rebate, trade-in, the loan still owed, down payment, sales tax and dealer fees turn into the out-the-door price and the amount financed.
- Free
Free · private · no sign-up
Work out the car deal like the finance office does.
Price, rebate, trade-in, what you still owe, sales tax and dealer fees add up to the out-the-door price, the amount you finance and the payment you will really make.
- No account needed
- Runs in your browser
- Warns about negative equity
Deal sheetStep by step
- Vehicle price
- Rebate
- Sales tax
- Dealer fees
- Out-the-door price
- Trade-in value
- Loan still owed
- Down payment
- Amount financed
The same order a dealer uses, so you can check every line of their sheet.
Fix the highlighted fields to see your results.
Monthly payment
—
—
- Total interest
- —
- Total cost
- —
Your deal sheet
- Vehicle price—
- Rebate—
- Sales tax—
- Dealer fees—
- Out-the-door price—
- Trade-in value—
- Loan still owed—
- Down payment—
- Amount financed—
20/4/10 check
- 20% down or moreDown payment plus trade-in equity—
- 4 years or lessA loan term of 48 months at most—
- Payment under 10% of incomeAdd your monthly income to check—
Your numbers stay on this device. Results are estimates, not financial advice.
App features
The whole deal, line by line.
The Android app runs the same deal sheet and keeps your quotes on your phone.
- Currencies
- 26
- Languages
- 12
- Accounts needed
- 0
- Free credits to try Pro
- 5
Negative equity, flagged
If you owe more on your trade-in than it is worth, you see how much is rolled into the new loan.
- Free
Terms from 36 to 84 months
Pick a term and an APR to see the payment, total interest and total cost, then the 20/4/10 check with your income if you add it.
- Free
Lease or buy with Pro
A lease calculator, how much car you can afford, extra payments and refinance.
- Pro
Compare dealer quotes
2–3 quotes side by side, unlimited saved loans, PDF without a watermark and CSV, a widget, backup and app lock.
- Pro
FAQ
Frequently asked questions
What is the out-the-door price?
The vehicle price minus any rebate, plus sales tax and dealer fees: what the car costs before your trade-in and down payment are applied.
How does the trade-in change the sales tax?
In many places sales tax is charged on the price minus the trade-in value. Tick the trade-in tax credit box to calculate it that way, or untick it to tax the full price.
What is negative equity?
When you still owe more on your current car than its trade-in value. The difference is added to the amount you finance, and the results show a warning.
What is the 20/4/10 rule?
A common guideline: put at least 20% down, borrow for 4 years or less, and keep the payment under 10% of your monthly income. It is a rule of thumb, not a requirement.
What does the Android app add?
A lease calculator, how much car you can afford, extra payments, refinance, 2–3 dealer quotes side by side, PDF and CSV, a widget, backup and app lock. Pro is a one-time lifetime purchase or a monthly or 3-month plan; 5 free credits let you try Pro tools first.
Take the deal sheet to the dealership.
Car Loan Calculator for Android: out-the-door price, trade-in, tax and payment on your phone.
- No account
- Works without a signal
- 26 currencies, 12 languages