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Calcimator

Complete Auto Calculator

Comprehensive vehicle calculator with buy vs lease analysis, total cost of ownership, road trip costs, and EV vs gas comparisons. Make informed car decisions.

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How to Use This Calculator
  1. Follow the step-by-step wizard — complete each step before moving to the next. This guided approach ensures you provide all the necessary information in a logical order.
  2. Calculation Mode — Calculation mode to use. Choose from: Buy (Auto Loan), Lease, Total Cost of Ownership, Road Trip Cost, EV vs Gas Comparison. default: 0.
  3. Vehicle Price — enter a dollar amount. Accepts values from $5,000 to $200,000 (default: $35,000).
  4. Down Payment — Upfront payment amount. Accepts values from $0 to $100,000 (default: $5,000).
  5. Sales Tax Rate — enter a percentage value. Accepts values from 0 % to 15 % (default: 7 %).
  6. Vehicle Type — enter your preferred option from the dropdown. Choose from: Sedan, SUV, Truck, Luxury. default: 0.
  7. Fuel Type — enter your preferred option from the dropdown. Choose from: Gasoline, Hybrid, Electric (EV). default: 0.
  8. Annual Miles — enter a number in mi. Accepts values from 1,000 mi to 50,000 mi (default: 12,000 mi).
  9. Gas Price — enter a dollar amount in /gal. Accepts values from $1 /gal to $10 /gal (default: $3.5 /gal).
  10. Expand "Advanced Options" for additional fine-tuning. These optional inputs let you model more specific scenarios:
  11. Interest Rate (APR) — Annual interest rate as a percentage. Accepts values from 0 % to 25 % (default: 6.5 %).
  12. Loan Term — Length of the loan in the specified time unit. Accepts values from 1 years to 8 years (default: 5 years).
  13. Trade-In Value — enter a dollar amount. Accepts values from $0 to $100,000 (default: $0).
  14. Residual Value — Percentage of MSRP at lease end Accepts values from 20 % to 80 % (default: 55 %).
  15. Money Factor — Multiply by 2,400 for APR equivalent Accepts values from 0 to 0.01 (default: 0.0025).
  16. Lease Term — enter a number in months. Accepts values from 12 months to 60 months (default: 36 months).
  17. Ownership Period — enter a number in years. Accepts values from 1 years to 15 years (default: 5 years).
  18. Fuel Economy (MPG/MPGe) — enter a number in mpg. Accepts values from 10 mpg to 150 mpg (default: 30 mpg).
  19. Electricity Rate — enter a dollar amount in /kWh. Accepts values from $0.05 /kWh to $0.5 /kWh (default: $0.14 /kWh).
  20. Annual Insurance — enter a dollar amount. Accepts values from $500 to $5,000 (default: $1,500).
  21. Annual Registration — enter a dollar amount. Accepts values from $50 to $500 (default: $150).
  22. Trip Distance — enter a number in miles. Accepts values from 10 miles to 5,000 miles (default: 500 miles).
  23. Number of Passengers — enter a numeric value. Accepts values from 1 to 8 (default: 2).
  24. Estimated Tolls — enter a dollar amount. Accepts values from $0 to $500 (default: $0).
  25. Parking Costs — enter a dollar amount. Accepts values from $0 to $200 (default: $0).
  26. EV Price — enter a dollar amount. Accepts values from $20,000 to $150,000 (default: $45,000).
  27. EV Tax Credit — enter a dollar amount. Accepts values from $0 to $15,000 (default: $7,500).
  28. Comparison Period — enter a number in years. Accepts values from 1 years to 15 years (default: 5 years).
  29. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  30. Monthly Payment — shown as a dollar amount. This is the primary result of this calculator.
  31. Total Cost of Ownership — shown as a dollar amount. This is the primary result of this calculator.
  32. Total Trip Cost — shown as a dollar amount. This is the primary result of this calculator.
  33. EV Savings — shown as a dollar amount. This is the primary result of this calculator.
  34. Loan Amount — shown as a dollar amount.
  35. Total Payments — shown as a dollar amount.
  36. Total Interest — shown as a dollar amount.
  37. Sales Tax — shown as a dollar amount.
  38. Value at Loan End — shown as a dollar amount.
  39. Total Lease Cost — shown as a dollar amount.
  40. Depreciation — shown as a dollar amount.
  41. Finance Charges — shown as a dollar amount.
  42. Residual Value — shown as a dollar amount.
  43. Equivalent APR — shown as a percentage.
  44. Buy vs Lease Monthly Diff — shown as a dollar amount.
  45. Cost per Mile — shown as a dollar amount.
  46. Cost per Year — shown as a dollar amount.
  47. Cost per Month — shown as a dollar amount.
  48. Total Depreciation — shown as a dollar amount.
  49. Total Fuel Cost — shown as a dollar amount.
  50. Total Maintenance — shown as a dollar amount.
  51. Total Insurance — shown as a dollar amount.
  52. Estimated Resale Value — shown as a dollar amount.
  53. Fuel/Charging Cost — shown as a dollar amount.
  54. Cost per Person — shown as a dollar amount.
  55. Cost per Mile — shown as a dollar amount.
  56. Gallons Needed — shown as a numeric value.
  57. kWh Needed — shown as a numeric value.
  58. Wear & Tear — shown as a dollar amount.
  59. Gas Vehicle Total Cost — shown as a dollar amount.
  60. EV Total Cost — shown as a dollar amount.
  61. Annual Fuel Savings — shown as a dollar amount.
  62. Break-Even (Years) — shown as a numeric value.
  63. Gas Fuel Cost (Total) — shown as a dollar amount.
  64. EV Charging Cost (Total) — shown as a dollar amount.
  65. CO₂ Saved — shown as a numeric value.
  66. Scroll down to explore 2 charts (Cost Breakdown, Comparison) for a visual breakdown of the data.
  67. Check the Schedule for a detailed row-by-row breakdown. This is useful for spotting trends or finding values at specific points.
  68. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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