Auto Calculators

40+ FREE TOOLS · NO SIGNUP · HONEST MATH

The honest car math tools car salespeople don't want you to run.

40 calculators, checklists, analyzers, and trackers for every car decision — from the $35K sedan you're financing to the $280 maintenance bill you're questioning. All offline, all free.

Browse all 40 tools Start with car payment →

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Car Payment Calculator

Monthly payment with tax, title, fees, down, trade-in. Amortization chart.

Lease vs Buy Analyzer

Side-by-side total cost over 36 months with visual breakdown of what you really pay.

True Cost of Ownership

5-year all-in cost: depreciation, fuel, insurance, maintenance, taxes, registration.

Repair or Replace Quiz

Answer 7 questions — get a clear verdict on whether to fix it or cut bait.

All 40 tools

Jump to a category, or skim the whole list. Each tool is independently useful — no account, no interdependency.

Loans & Payments · 6 tools

Car Payment Calculator

Monthly payment with tax, title, fees, down, trade-in. Amortization chart.

Car Affordability

Max car price you can actually afford — uses the 15% rule and real-world insurance.

Refinance Savings

See if refinancing your auto loan actually beats the fees. Break-even month included.

Loan Payoff Accelerator

How much interest you save and months you shave by paying $50–$500 extra.

Title Loan True Cost

300% APR laid bare — compared to credit cards, personal loans, and credit unions.

GAP Insurance Analyzer

How underwater you are, and whether GAP is priced right for your loan.

Buying Decisions · 6 tools

Lease vs Buy Analyzer

Side-by-side total cost over 36 months with visual breakdown of what you really pay.

Depreciation-adjusted 5-year cost on a new car vs a lightly-used alternative.

Subscription vs Own

When Care by Volvo or Hertz Subscribe actually beats a traditional lease.

Repair or Replace Quiz

Answer 7 questions — get a clear verdict on whether to fix it or cut bait.

Dealer Markup Reveal

Invoice, holdback, and fair out-the-door offer on any new vehicle.

Trade-In vs Private

When private sale beats trade — after the tax credit, time, and risk.

Total Cost & Planning · 4 tools

True Cost of Ownership

5-year all-in cost: depreciation, fuel, insurance, maintenance, taxes, registration.

Depreciation Curve

Year-by-year resale projection with visual curve for any vehicle.

Car-Buying Checklist

42-step checklist from research through delivery. Saves itself in your browser.

Pre-Purchase Inspection

32-point PPI checklist plus the ROI math on whether it saves you money.

Fuel & Operating · 8 tools

Annual Gas Cost

Real yearly fuel spend by miles, MPG, and price — with MPG sensitivity chart.

Fuel Log & MPG Tracker

Track every fill-up, watch your real MPG trend, and export to CSV.

Road Trip Planner

Route fuel budget with stops, splits across drivers, and hotel/food estimates.

EV vs Gas Savings

5-year fuel + maintenance savings for any EV vs the equivalent gas car.

Home EV Charger ROI

Payback on a Level 2 install vs public DC fast charging.

Hybrid Breakeven

Years to recoup the $2K–$4K hybrid premium through fuel savings.

Diesel vs Gas Truck

Breakeven mile where diesel's 25% fuel bump beats the $10K price premium.

Towing Fuel Cost

Real tow-rig fuel cost — weight, grade, aero drag, and headwind all priced in.

Maintenance & Tires · 5 tools

Maintenance Forecast

5-year service spend projected by mileage milestone — oil, tires, brakes, fluids.

Service History Log

Keep a full service record — resale boost of $500–$1,500 when you sell.

Maintenance Tracker

Log every service, get next-service reminders, export before trade-in.

Tire Replacement

All-in job cost: mounting, balance, disposal, alignment, road hazard.

Is a dedicated winter set worth $800? Crash-avoidance math + tread savings.

Insurance & Risk · 6 tools

Insurance Estimator

Annual premium by age, ZIP, vehicle, and coverage tier. Real insurer ranges.

Teen Driver Impact

Premium hit when a teen joins the policy, plus every discount worth asking for.

Extended Warranty Worth?

Expected value of an extended warranty vs the probability-weighted repair bills.

Full 3-year financial hit — fines, attorney, SR-22, IID, DUI school, lost wages.

Accident Settlement

Multiplier-method estimate for a car accident claim with medicals and pain-suffering.

Lemon Law Damages

Repurchase, incidental damages, and attorney fees on a defective-vehicle claim.

Commute, Fleet, Niche · 9 tools

Mileage Reimbursement

IRS-standard mileage reimbursement for business driving, 2025 rate baked in.

Fleet Operating Cost

Annual cost-per-vehicle across a 5–50 vehicle commercial fleet.

Carpool Savings

Annual savings from splitting commute cost across 2–4 coworkers.

Parking Cost Audit

Your real yearly parking spend — garage, meter, airport, events.

DIY vs Pro Wash

Yearly cost + time of home-washing vs drive-through, with water usage.

5-year all-in motorcycle cost: depreciation, insurance, tires, gear, track days.

Classic Car Returns

Honest return projection after carry costs, insurance, and segment trend.

Car Wrap Resale Math

Does a $3K vinyl wrap preserve paint value enough to pay back at resale?

Lease Mile Overage

Buy extra miles upfront at $0.15 vs pay $0.25 at lease-end. Math for both paths.

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