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.
Step 1 of 9
How to Use This Calculator
- Select a Calculation Mode: Auto Loan, Lease, Total Cost of Ownership, Road Trip, or EV vs Gas.
- Enter the Vehicle Price and your Down Payment amount.
- Adjust the Interest Rate (APR) and Loan Term (months) for loan or lease modes.
- Enter Annual Miles and your Fuel Economy (MPG/MPGe) to enable fuel cost comparisons.
- For Road Trip mode, set Trip Distance, number of Passengers, and estimated Tolls.
- Review the highlighted output — monthly payment, total cost, or trip cost — depending on the mode selected.
What each input means
- Calculation Mode
- Calculation mode to use.
- Down Payment
- Upfront payment amount.
- Interest Rate (APR)
- Annual interest rate as a percentage.
- Loan Term
- Length of the loan in the specified time unit.
- Residual Value
- Percentage of MSRP at lease end
- Money Factor
- Multiply by 2,400 for APR equivalent
How this is calculated
Formula
Monthly Payment = P × r(1+r)^n / ((1+r)^n − 1) | TCO = Purchase + Fuel + Insurance + Maintenance + DepreciationEngine last updated . Checked against 10 independently-derived tests — how we verify calculators.
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