Car Loan Out‑the‑Door & Affordability

Professional‑grade calculators used by shoppers and dealers. Estimate taxes, fees, and monthly payments with a clean auto‑business interface.

Find your state page Jump to calculators
Tip: out‑the‑door = vehicle price − incentives − down − trade + tax + fees (+ negative equity). Edit the fields and hit Calculate.

Why trust this calculator?

We keep it simple and transparent—no signup, no hidden math. Every field is editable so you can mirror the exact numbers from your dealer quote.

No account needed Results only after you click Calculate Works on mobile Free to use

How to use these tools (step‑by‑step)

  1. Pick your state and click Apply state defaults to set a baseline for taxes and fees.
  2. Enter the vehicle price, incentives, trade‑in, and down payment.
  3. Click Calculate Out‑the‑Door to confirm the total due.
  4. Use the Monthly Payment calculator to plug in APR and term—now you can compare lenders or dealership offers.
  5. Use Affordability to back into a price from your monthly budget.

1) Out‑the‑Door (OTD) Calculator

State
Sets typical tax and fees (editable)
Sales tax (%)
Title/registration ($)
Doc/dealer fees ($)
Other fees ($)
Vehicle price ($)
Incentives/Rebates ($)
Down payment ($)
Trade‑in value ($)
Loan balance on trade ($)

Out‑the‑Door Summary

Vehicle price$0.00
Sales tax$0.00
Total fees (title + doc + other)$0.00
Negative equity (if any)$0.00
Amount financed$0.00
Total due today / financed$0.00

2) Monthly Payment Calculator

State
Sales tax (%)
Title/registration ($)
Doc/dealer fees ($)
Other fees ($)
Vehicle price ($)
Incentives/Rebates ($)
Down payment ($)
Trade‑in value ($)
Loan balance on trade ($)
APR (%)
Term (months)

Payment Summary

Out‑the‑door (total)$0.00
Amount financed$0.00
Monthly payment$0.00
Total interest over term$0.00

3) Affordability (What price fits my budget?)

State
Sales tax (%)
Title/registration ($)
Doc/dealer fees ($)
Other fees ($)
Monthly budget ($)
APR (%)
Term (months)
Down payment ($)

Affordability Summary

Maximum vehicle price (before incentives)$0.00
Estimated tax$0.00
Estimated OTD$0.00

State pages

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