Not a payment calculator โ a complete ownership simulator. Everything updates in real time.
Payment / mo
$0
5-yr true cost
$0
Buy score
โ/100
๐ท๏ธ The Vehicle & Deal
๐ Trade-In
๐ณ Financing
๐๏ธ Taxes & Fees ยท auto-filled by state
Pick your state and we estimate the tax + fees. Every line is editable โ nothing is hidden.
โฝ Driving & Energy
๐ก๏ธ Insurance & ๐ง Maintenance
Big-ticket items (tires, brakes, battery, repairs) are estimated from your mileage and the car's age on top of scheduled service. EVs skip oil changes and wear brakes slower.
Insurance โ cumulative
Maintenance โ cumulative
๐ Depreciation & Resale
Estimated value over time
๐งฎ Total Cost of Ownership
Where the money goes
True cost of ownership โ cumulative
๐ฏ Vehicle Score & AI Buying Advisor
โ
score
โ
โก Payment Optimizer โ "what ifโฆ"
Slide and watch every number react. We track your savings vs. the starting deal.
Down payment
APR
Loan term
Selling price
Trade value
Extra payment / mo
๐ Visualizations
Loan balance & principal vs interest
BalancePrincipal paidInterest paid
Cumulative fuel/energy cost
Your equity over time (value โ loan balance)
Above $0 = you have equityBelow $0 = underwater
Monthly spending breakdown
โ๏ธ Compare Vehicles
Save this scenario, change the inputs for another car, save again โ we'll crown the cheaper one to own.
No vehicles saved yet.
๐พ Save & export
Your inputs autosave on this device; Save downloads a reopenable file (use Open to reload). Print to PDF for your records.
๐ฎ Built to grow
This engine is structured so it can later plug into TAuto AI Valuation, VIN decode, Black Book / MMR, CarFax / AutoCheck, wholesale & auction data, and an AI negotiation assistant โ the math layer is separate from the data layer, so live values can drop in without a rewrite.
All figures are estimates for planning only โ not financial, tax, or insurance advice. Tax/fee tables are approximate and vary by county, dealer, and program; confirm with your dealer and DMV.