Compare the car deal. Follow the whole cost.
Compare auto refinancing, lease versus buy, trade-in debt and vehicle depreciation. Build a car budget with complete schedules, explicit fees and CSV downloads.
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5 calculators
Auto Loan Refinance Calculator
Compare keeping your car loan with refinancing, including fees, remaining debt and a longer repayment term.
Open calculator ↗Lease or buyLease vs Buy Car Calculator
Compare a returned lease with a financed purchase sold on the same date, including operating costs, resale and mileage charges.
Open calculator ↗Trade-inTrade-In & Negative Equity Calculator
Reconcile the replacement deal, old payoff, trade value, tax convention and new financing before accepting a monthly payment.
Open calculator ↗Value and equityCar Depreciation & Loan Equity Calculator
Stress-test an entered vehicle value against the remaining auto loan, with separate first-year and later loss assumptions.
Open calculator ↗Car budgetCar Affordability & Ownership Budget Calculator
Solve the vehicle price your explicit budget can support after savings, insurance, fuel, maintenance and financing charges.
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Each calculator includes a formula, worked example, assumptions and reference. Defaults are illustrative inputs, not recommended targets.
Read the methodologyLearn the mechanics
- Auto refinance: payment savings versus actual cost — A lower payment, fee allocation and an equal-date payoff comparison answer different questions.
- Lease vs buy: read the signing quote and compare the exit — Separate first payment, additional signing cash, deposit and return costs before comparing ownership.
- Trade-in negative equity: reconcile the closing figures — An old payoff, a trade offer and the replacement price must reconcile to the new funding amount.
- Vehicle depreciation versus loan balance: a scenario, not an appraisal — Track value and debt separately, then inspect when equity becomes positive or negative.
- Build an ownership budget before choosing the car price — Solve the payment capacity after household obligations and real operating costs.