Stop Overpaying
8 Free Calculators · No Sign-Up · No Ads

Smarter Car Ownership Starts Here

Car buyers lose thousands every year to bad loans, hidden depreciation, and dealer math nobody explains. These free calculators strip away the industry noise and show you the real numbers — before you sign anything.

Should you fix that $3,000 repair or take on a new payment? Is your lease buyout actually a good deal? Are you about to roll negative equity into years of extra interest? Find out in under a minute.

All Calculators
Ownership & Comparison
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Compare Car Cost of Ownership
Compare any number of vehicles — new, used, gas, or electric — on total 5-year cost, including depreciation, tax, insurance, and financing.
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Ownership & Comparison
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Buy vs. Lease
Same car, two paths. See the real total cost of buying outright versus leasing, fees included.
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Ownership & Comparison
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Repair or Replace?
Facing a big repair bill? Compare fixing your old paid-off car against taking on a new payment, real numbers on both sides.
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Finance & Loans
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Auto Loan Tools
Early payoff savings, refinance comparison, and a negative-equity ("am I underwater?") check — all in one place.
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Finance & Loans
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How Much Car Can I Afford?
The 20/4/10 budgeting rule, fully adjustable, to find your realistic price ceiling.
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Buying a Car
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Out-the-Door Price Calculator
Know your real total before you negotiate — tax, registration, and fees on top of the sticker price.
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Daily & Ongoing Costs
Commute & Gas Cost Calculator
A 30-second answer: what your commute actually costs per day, week, month, and year.
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Daily & Ongoing Costs
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Maintenance & Repair Reserve
What to set aside monthly as your car ages, based on AAA cost-per-mile data and repair-risk curves.
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All tools on this site are rough planning estimates, not financial, legal, or tax advice. Real costs depend on your specific vehicle, credit, location, and market conditions — verify key numbers (insurance quotes, loan offers, state fees) before making a decision. Every tool includes an "Export / Save as PDF" option at the bottom if you'd like to keep a copy of your results.