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.
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Car Payment Calculator
Monthly payment with tax, title, fees, down, trade-in. Amortization chart.
Analyzer
Lease vs Buy Analyzer
Side-by-side total cost over 36 months with visual breakdown of what you really pay.
Calculator
True Cost of Ownership
5-year all-in cost: depreciation, fuel, insurance, maintenance, taxes, registration.
Quiz
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
Calculator
Car Payment Calculator
Monthly payment with tax, title, fees, down, trade-in. Amortization chart.
Calculator
Car Affordability
Max car price you can actually afford — uses the 15% rule and real-world insurance.
Calculator
Refinance Savings
See if refinancing your auto loan actually beats the fees. Break-even month included.
Calculator
Loan Payoff Accelerator
How much interest you save and months you shave by paying $50–$500 extra.
Calculator
Title Loan True Cost
300% APR laid bare — compared to credit cards, personal loans, and credit unions.
Analyzer
GAP Insurance Analyzer
How underwater you are, and whether GAP is priced right for your loan.
Buying Decisions · 6 tools
Analyzer
Lease vs Buy Analyzer
Side-by-side total cost over 36 months with visual breakdown of what you really pay.
Calculator
Used vs New
Depreciation-adjusted 5-year cost on a new car vs a lightly-used alternative.
Calculator
Subscription vs Own
When Care by Volvo or Hertz Subscribe actually beats a traditional lease.
Quiz
Repair or Replace Quiz
Answer 7 questions — get a clear verdict on whether to fix it or cut bait.
Calculator
Dealer Markup Reveal
Invoice, holdback, and fair out-the-door offer on any new vehicle.
Calculator
Trade-In vs Private
When private sale beats trade — after the tax credit, time, and risk.
Total Cost & Planning · 4 tools
Calculator
True Cost of Ownership
5-year all-in cost: depreciation, fuel, insurance, maintenance, taxes, registration.
Calculator
Depreciation Curve
Year-by-year resale projection with visual curve for any vehicle.
Checklist
Car-Buying Checklist
42-step checklist from research through delivery. Saves itself in your browser.
Checklist
Pre-Purchase Inspection
32-point PPI checklist plus the ROI math on whether it saves you money.
Fuel & Operating · 8 tools
Calculator
Annual Gas Cost
Real yearly fuel spend by miles, MPG, and price — with MPG sensitivity chart.
Tracker
Fuel Log & MPG Tracker
Track every fill-up, watch your real MPG trend, and export to CSV.
Planner
Road Trip Planner
Route fuel budget with stops, splits across drivers, and hotel/food estimates.
Calculator
EV vs Gas Savings
5-year fuel + maintenance savings for any EV vs the equivalent gas car.
Calculator
Home EV Charger ROI
Payback on a Level 2 install vs public DC fast charging.
Calculator
Hybrid Breakeven
Years to recoup the $2K–$4K hybrid premium through fuel savings.
Calculator
Diesel vs Gas Truck
Breakeven mile where diesel's 25% fuel bump beats the $10K price premium.
Calculator
Towing Fuel Cost
Real tow-rig fuel cost — weight, grade, aero drag, and headwind all priced in.
Maintenance & Tires · 5 tools
Calculator
Maintenance Forecast
5-year service spend projected by mileage milestone — oil, tires, brakes, fluids.
Tracker
Service History Log
Keep a full service record — resale boost of $500–$1,500 when you sell.
Tracker
Maintenance Tracker
Log every service, get next-service reminders, export before trade-in.
Calculator
Tire Replacement
All-in job cost: mounting, balance, disposal, alignment, road hazard.
Calculator
Snow Tire ROI
Is a dedicated winter set worth $800? Crash-avoidance math + tread savings.
Insurance & Risk · 6 tools
Calculator
Insurance Estimator
Annual premium by age, ZIP, vehicle, and coverage tier. Real insurer ranges.
Calculator
Teen Driver Impact
Premium hit when a teen joins the policy, plus every discount worth asking for.
Analyzer
Extended Warranty Worth?
Expected value of an extended warranty vs the probability-weighted repair bills.
Calculator
DUI True Cost
Full 3-year financial hit — fines, attorney, SR-22, IID, DUI school, lost wages.
Calculator
Accident Settlement
Multiplier-method estimate for a car accident claim with medicals and pain-suffering.
Calculator
Lemon Law Damages
Repurchase, incidental damages, and attorney fees on a defective-vehicle claim.
Commute, Fleet, Niche · 9 tools
Calculator
Mileage Reimbursement
IRS-standard mileage reimbursement for business driving, 2025 rate baked in.
Calculator
Fleet Operating Cost
Annual cost-per-vehicle across a 5–50 vehicle commercial fleet.
Calculator
Carpool Savings
Annual savings from splitting commute cost across 2–4 coworkers.
Calculator
Parking Cost Audit
Your real yearly parking spend — garage, meter, airport, events.
Calculator
DIY vs Pro Wash
Yearly cost + time of home-washing vs drive-through, with water usage.
Calculator
Motorcycle TCO
5-year all-in motorcycle cost: depreciation, insurance, tires, gear, track days.
Calculator
Classic Car Returns
Honest return projection after carry costs, insurance, and segment trend.
Calculator
Car Wrap Resale Math
Does a $3K vinyl wrap preserve paint value enough to pay back at resale?
Calculator
Lease Mile Overage
Buy extra miles upfront at $0.15 vs pay $0.25 at lease-end. Math for both paths.