Automotive Financial Calculators & Decision Engines

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Automotive Financial Calculators & Decision Engines

Institutional-grade utilities designed to audit car dealer quotes, verify interstate sales tax reciprocity, amortize complex vehicle loans, and model multi-year true cost of ownership.

Flagship Engine 51 Jurisdictions

Out-of-State Car Purchase Sales Tax & DMV Reciprocity

Calculate exact sales tax owed across state lines, foreign dealer credit offsets, drive-out exemptions (CDTFA § 6201), trade-in deductions, and temporary in-transit permit requirements.

  • Audit Metric: Bilateral state reciprocity matrix
  • Input Levers: Purchase State, Home State, Price, Trade-In
  • Data Foundation: Audited 2026 State DOR statutes
Launch Reciprocity Engine →
Tax Optimization All 50 States + DC

Trade-In Tax Savings by State

Determine whether your state reduces sales tax when trading in a vehicle. Audits full statutory credit states, statutory trade caps (MI, SC, NC), and zero-credit jurisdictions (CA, VA, DC, HI).

  • Audit Metric: Net taxable transaction delta
  • Input Levers: Home State, Vehicle Price, Trade Allowance
  • Data Foundation: State Administrative Code citations
Calculate Trade-In Savings →
Financing Audit Amortization Engine

Auto Loan Decision & Risk Engine

Look past the monthly payment. Scores loan structures on a 0–100 ownership-risk index evaluating loan-to-value depreciation curves, underwater months, and 20/4/10 affordability rules.

  • Audit Metric: Months underwater & true interest burden
  • Input Levers: Loan APR, Term, Down Payment, Vehicle Value
  • Data Foundation: AAA Your Driving Costs 2025 benchmarks
Audit Auto Financing →
TCO Modeling 5-Year Lifecycle

Electric vs Gas 5-Year True Cost of Ownership

Compare multi-year ownership economics across Sedans, Compact SUVs, and Medium SUVs. Models depreciation shock, home vs public charging rates, maintenance deltas, and holding-period breakeven.

  • Audit Metric: All-in cents-per-mile cost delta
  • Input Levers: Segment, Annual Miles, Charging Mix, Gas $/gal
  • Data Foundation: AAA, DOE & iSeeCars 5-year studies
Model True Ownership Cost →
Fee Regulation 51 Jurisdictions

Dealer Documentation Fee Statutory Limit Checker

Audit dealership administrative fees against statutory state caps. Identifies mandatory ceiling states (CA $85, NY $175, TX $225) versus uncapped dealer markup jurisdictions (FL, CO, NC).

  • Audit Metric: Statutory fee ceiling vs market average
  • Input Levers: Purchase State, Proposed Dealer Fee
  • Data Foundation: Audited 2026 DMV regulations & statutes
Check Dealer Doc Fee →
EV Valuation Degradation Curves

EV Battery Health & Residual Depreciation Calculator

Model State-of-Health (SoH) battery degradation curves based on calendar age, cycle depth, DC fast-charging ratio, and ambient thermal zone to forecast real-world EV resale value.

  • Audit Metric: Battery degradation penalty & range retention
  • Input Levers: EV Model, Age, Mileage, Fast-Charge %, Climate
  • Data Foundation: Geotab real-world telemetry & EPA cycle data
Audit EV Battery Health →
Tax Credit IRC § 25E

Used EV Tax Credit Eligibility Validator (IRC § 25E)

Verify statutory compliance for up to $4,000 in federal clean vehicle credits. Checks the statutory $25,000 sales price cap, 2-year model vintage lag, buyer MAGI ceilings, and dealer POS transfer rules.

  • Audit Metric: Dollar-for-dollar POS tax credit eligibility
  • Input Levers: Vehicle Year, Price, Filing Status, Modified AGI
  • Data Foundation: 26 U.S. Code § 25E & IRS Publication 5866-A
Validate Used EV Credit →
Cost Decision Breakeven Math

Car Repair vs. Sell Financial Breakeven Calculator

Faced with a major repair quote? Compares repairing your vehicle versus selling and buying a replacement. Analyzes post-repair value retention, replacement depreciation, and monthly financial breakeven.

  • Audit Metric: Months to recapture repair expenditure
  • Input Levers: Repair Cost, Vehicle Value, Replacement Price
  • Data Foundation: Actuarial vehicle longevity & residual curves
Calculate Repair vs Sell →
Financing Audit Interest Savings

Auto Loan Refinance Savings & Breakeven Engine

Calculate exact net interest savings from refinancing high-interest dealer loans. Factors in origination fees, transfer costs, and remaining amortization schedules to compute true payback months.

  • Audit Metric: Net lifetime interest savings & monthly payment delta
  • Input Levers: Current Balance, Current APR, New APR, New Term
  • Data Foundation: Closed-form monthly amortization formulas
Calculate Refinance Savings →
Acquisition Holding Horizon

Car Lease vs. Buy Financial Breakeven Calculator

Compare all-in net cash outlay between 36-month leasing and loan financing. Incorporates money factor interest, residual value targets, sales tax treatment, and post-term vehicle equity.

  • Audit Metric: Net financial advantage by holding duration
  • Input Levers: MSRP, Negotiated Price, Money Factor, Residual %
  • Data Foundation: Institutional captive finance lease math
Compare Lease vs Buy →
Valuation 5-Year Curves

Vehicle Depreciation & Optimal Holding Period Engine

Model multi-year vehicle depreciation curves across Sedans, SUVs, Trucks, and Luxury segments. Identifies the steep year-one drop and pinpoints the optimal financial window to sell or trade in.

  • Audit Metric: Annual value retention curve & cents-per-mile decay
  • Input Levers: Vehicle Class, Initial Purchase Price, Annual Miles
  • Data Foundation: iSeeCars, BLS automotive CPI & AAA retention data
Model Depreciation Curve →
Interactive Financial Utility

Underwater Car Loan & Negative Equity Calculator

Trading in a car with an outstanding loan? Calculate exactly how much negative equity rolls into your next deal, your day-one underwater equity position, and the total phantom interest penalty over the life of the new loan.

$
$
$
%
Negative Equity Rolled Into New Loan
$5,000
You owe $5,000 more than your trade-in is worth.
Day-One Equity Position −$5,000 underwater
New Financed Principal
$39,000
Estimated Monthly Payment
$674
Total Lifetime Loan Interest
$9,516
Phantom Interest From Rolled Equity
$1,220
Mathematical Methodology & Closed Formulas

Every computation is deterministic arithmetic executing in your local browser sandbox:

  • Rolled Negative Equity: \(\max(0, ext{Balance} - ext{Market Value})\).
  • Financed Principal: \( ext{Purchase Price} + ext{Rolled Negative Equity}\).
  • Standard Amortization Formula: \(M = P imes rac{i(1+i)^n}{(1+i)^n - 1}\), where \(i = rac{ ext{APR}}{1200}\) and \(n = ext{Term Months}\).
  • Phantom Interest Penalty: \( ext{Interest}_{ ext{Total}} - ext{Interest}_{ ext{Price Only}}\).