Why these calculators matter
The average new car costs over $48,000 in 2026, and financing adds thousands more in interest. Yet most buyers walk into a dealership without knowing what they can truly afford, what their payment should be, or how much they'll pay over the life of the loan. That's how people end up with 84-month loans, underwater vehicles, and payments that strain their budget.
Our calculators give you the numbers the dealer won't volunteer. Run your scenarios before you shop — know your monthly payment at different rates, understand how much car you can actually afford, and compare the real cost of leasing versus buying. When you negotiate from a position of knowledge, you save thousands.
How to use these tools
Start with affordability. Use the Car Affordability Calculator to determine your maximum vehicle price based on your income and debts. This sets the ceiling for your search.
Compare payment scenarios. The Auto Loan Payment Calculator lets you see how different down payments, rates, and terms affect your monthly payment and total cost.
Decide how to acquire. The Lease vs Buy Calculator shows whether leasing or buying saves you more for a specific vehicle over your expected ownership period.
Understand total cost. Monthly payment is just the start. Use the Total Cost of Ownership Calculator to factor in insurance, fuel, maintenance, and depreciation.
Consider electric. If you're deciding between an EV and a gas car, the Gas vs Electric Calculator breaks down the true cost difference including fuel savings, maintenance, and tax credits.
Already have a loan? The Auto Refinance Calculator shows how much you could save by refinancing to a lower rate.
Car buying guides
Our in-depth guides cover the key decisions every car buyer faces — getting the best loan rate, choosing between leasing and buying, and understanding the true cost of electric vehicles.