CAR DEAL CALCULATOR
Calculate the real out-the-door car price.
Enter the dealer's quote. DealProof calculates the complete price, monthly payment, interest, trade equity, taxes, and fees in seconds.
No signup.Calculator inputs stay on your device.
02
LIVE
Your real numbers
Estimated monthly payment
$0/mo
DEAL CLARITY SCORE
Reviewing the numbers
DealProof checks fees, add-ons, loan length, and trade equity.
Price breakdown
- Adjusted vehicle price
- $0
- Estimated sales tax
- $0
- Dealer/doc fee
- $0
- Title and registration
- $0
- Add-ons
- $0
- Out-the-door
- $0
Estimate only. Taxes, lender rules, and taxable fees vary. Confirm figures on the buyer's order before signing.
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READY-TO-SEND
Your dealer offer
SAVED ON THIS DEVICE
Compare your deals
FREE BUYER TOOLS
Check the rest of the deal
STATE TAX
Car sales tax
Estimate state tax, local tax, and the value of a trade-in credit.
Check my state → COMPAREAuto-loan offers
Put two APR and term combinations side by side.
Open calculator → TRADENegative equity
See exactly what an upside-down trade adds to the next loan.
Check my trade → FEESFee impact
Translate dealer fees and add-ons into payment and lifetime cost.
Review fees → BUDGETCar affordability
Work backward from a payment ceiling to a price target.
Set my ceiling →BUYER PLAYBOOK
Three numbers dealers hope you ignore
Out-the-door price
The vehicle price plus taxes and every mandatory fee. Get this number in writing before discussing financing.
Total interest
A longer term lowers the monthly payment while quietly increasing how much the loan costs overall.
Trade equity
Your trade allowance minus its payoff. Negative equity gets added to the new loan and can hide inside the payment.
One calculator for the price, payment, taxes, and fees
Most car-payment calculators start with a loan balance and hide how the dealer reached it. DealProof starts with the written quote, separates every charge, and shows the out-the-door price before trade equity and cash down change the amount financed.
Check the dealer quote
Enter the selling price, rebate, doc fee, registration, add-ons, tax rate, and trade figures exactly as written.
Compare the full loan
See the monthly payment together with the amount financed and total interest, so a longer term cannot hide the cost.
Send a clean counteroffer
Copy the generated message or share the calculation and ask for a complete buyer's order before visiting the dealership.
How to ask for the out-the-door priceHow taxes and fees change a car payment72 vs. 84 months
Out-the-door price calculator questions
What is the out-the-door price of a car?
The out-the-door price is the complete purchase price before financing: the negotiated vehicle price, estimated taxes, required dealer charges, title and registration, and any add-ons you accept.
How do I calculate a car payment with taxes and fees?
Add the adjusted vehicle price, estimated tax, dealer charges, registration, and accepted add-ons. Subtract positive trade equity and cash down, then calculate the payment from the remaining amount, APR, and loan term.
Does a trade-in lower car sales tax?
An eligible dealer trade-in lowers the taxable price in many states, but not all. Use the trade-tax toggle and check the state vehicle-tax guide before relying on the estimate.
Can I share a DealProof calculation with a dealer?
Yes. The Share deal button creates a link with the entered numbers, and Copy dealer offer copies a ready-to-send request for the complete buyer's order.
OPTIONAL NEXT STEPS
Compare before you commit
Check a real quote, line by line
Compare two out-the-door prices
See how a lower advertised price becomes the more expensive purchase after fees and add-ons.
Find a mismatch in the paperwork
Reconcile the price, trade payoff, deposit, and amount financed with a worked example.
Calculate savings from extra payments
Compare an extra $50, $100, or $200 a month on the same remaining car loan.