Auto Loan & Dealer Offer Comparison
Compare dealer offers beyond the monthly payment: fees, rebates, trade-in debt, tax assumptions and the total cost of financing.
USD · Editable assumptions · Local calculations · No account required
- 1Start with a realistic example
- 2Adjust costs and assumptions
- 3Compare scenarios and export
Build your scenario
Examples illustrate the calculation; rates are not live market offers. Changes update the results immediately.
Your financial picture
Cost breakdown
What if interest rates change?
All other inputs stay the same. This illustrates sensitivity, not future rates or prices.
Compare your options
Keep up to four snapshots. Select a saved name to load its inputs. Download a project to preserve your work.
Monthly loan schedule
Displayed dollars are rounded. CSV exports retain cents and include your input assumptions.
How to use Auto Loan & Dealer Offer Comparison
- Choose an example, then replace its prices, rates and costs with your own estimates or written quotes.
- Explore the cost breakdown and sensitivity table. Check every assumption before comparing results.
- Name and save a scenario. Change the inputs and save another to compare up to four alternatives.
- Download your editable project or export the complete schedule. Open the downloaded HTML report and use your browser’s print dialog to save a PDF. The report contains all schedule rows and saved scenario assumptions.
Method and limitations
Fixed-rate monthly loans up to 120 months. Tax treatment is user-selected, not a state tax lookup. Contract rate is not necessarily disclosed APR.
Loan interest is calculated monthly on the remaining balance. Extra principal reduces future interest and shortens the loan; actual lenders may use daily accrual and different rounding. Dollar outputs are estimates. Calculations run in your browser; site advertising and analytics are covered by our privacy information.
Further reading
Related: loan repayment calculator · sales tax calculator · household budget planner
Using Auto Loan & Dealer Offer Comparison
Compare dealer offers beyond the monthly payment: fees, rebates, trade-in debt, tax assumptions and the total cost of financing.
- Start with a realistic example
- Adjust costs and assumptions
- Compare scenarios and export
Example
Use a preset, replace the assumptions and save two scenarios to compare.
Questions & answers
Are the rates current offers?
No. All example rates and prices are illustrative. Enter written lender quotes and local costs.
Can I save my scenarios?
Yes. Download a project JSON to preserve inputs and up to four scenarios. Nothing is automatically stored after the page closes.
What is included in the calculation?
Fixed-rate monthly loans up to 120 months. Tax treatment is user-selected, not a state tax lookup. Contract rate is not necessarily disclosed APR.
Can I export the results?
Download the full schedule as CSV, save an editable project, or print a report using the browser PDF option.
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