Used Car Inspection Checklist Calculator
Inspection score and expected issues cost.
About this calculator
This calculator scores a used car's condition across eight systems (engine, transmission, brakes, suspension, tires, electrical, body/paint, and interior), each rated 0 (good), 1 (fair, needs attention soon), or 2 (poor, needs immediate work). Each system's rating adds "demerits" toward an Overall Condition Score out of a maximum of 16 demerits (8 systems x 2 points each) -- a car rated good on every system scores a perfect 100, while a car rated poor on everything scores 0. Each system also carries its own pair of typical repair-cost estimates for a fair versus poor rating (for example, a poor-rated engine adds $3,000 to the repair estimate, versus $200 for a merely fair-rated one), reflecting that some systems are far more expensive to fix than others -- a poor transmission or engine costs many times more than a poor interior or electrical issue. Est.
Immediate Repair Cost sums these per-system estimates for every system rated fair or poor. True Cost adds that repair estimate to the Asking Price, representing what the buyer will actually spend in total. Suggested Offer Price starts from Asking Price and subtracts 70% of the estimated repair cost, a common used-vehicle negotiation heuristic that splits the discount for needed repairs between buyer and seller rather than demanding a full dollar-for-dollar reduction.
Inputs
Results
Overall condition score
100
How to Use This Calculator
- Rate each of the eight systems — engine, transmission, brakes, suspension, tires, electrical, body/paint, and interior — as Good, Fair, or Poor based on a test drive and visual inspection.
- Enter the seller's Asking Price for the vehicle.
- Review the Overall Condition Score (0-100) — 80+ is a good buy, 50-80 means negotiate, below 50 means consider walking away.
- Check Est. Immediate Repair Cost and True Cost to see what you'll actually spend once repairs are factored in.
- Use Suggested Offer Price as a starting point for negotiating with the seller.
What each input means
- Engine condition
- Select the engine condition
- Transmission condition
- Select the transmission condition
- Brakes condition
- Select the brakes condition
- Suspension condition
- Select the suspension condition
- Tires condition
- Select the tires condition
- Electrical condition
- Select the electrical condition
- Body/paint condition
- Select the body/paint condition
- Interior condition
- Select the interior condition
- Asking price ($)
- Seller's asking price for the vehicle.
What each result means
- Overall condition score
- 0-100 score. 80+ = good buy, 50-80 = negotiate, below 50 = walk away.
- Est. immediate repair cost
- Estimated cost to address all fair/poor items.
- True cost (price + repairs)
- What you'll actually spend: asking price plus repairs.
- Suggested offer price
- Recommended offer accounting for needed repairs. Never suggested below $500, even when estimated repairs are severe -- compare against Est. Immediate Repair Cost, not in isolation.
- Critical issues found
- Number of systems rated poor/needing immediate repair.
- Repair cost as % of price
- How much of the asking price goes toward repairs.
How this is calculated
Worked example, using the default values
- Identify Input Parameters9 parametersEngine condition = 0, Transmission condition = 0, Brakes condition = 0, Suspension condition = 0, Tires condition = 0, Electrical condition = 0, Body/paint condition = 0, Interior condition = 0, Asking price = 10000 = 9 input(s) provided
- Calculate Overall condition scoreOverall condition score100 = 100
- Calculate Est. immediate repair cost0 = $0
- Calculate True costTrue cost = askingPrice + totalRepairCost10000 = $10,000
Engine last updated . Checked against 2 independently-derived tests — how we verify calculators. Built by Paul Gunder, a software engineer, not a licensed financial, medical, or legal professional.
Frequently Asked Questions
How is the Overall Condition Score calculated?
Each of the eight inspected systems adds 1 demerit for a "fair" rating or 2 demerits for a "poor" rating, out of a maximum possible 16 demerits (8 systems x 2 points). Overall Condition Score is 100 minus the percentage of demerits accumulated, so a car rated good on all eight systems scores a perfect 100, while one rated poor across the board scores 0.
Why does a poor engine rating add so much more to repair cost than a poor interior rating?
Each system has its own repair-cost pair reflecting real-world typical costs: a poor-rated engine adds $3,000 to the estimate versus only $300 for a poor-rated interior, because engine and transmission repairs are inherently far more expensive than cosmetic interior fixes. The calculator weighs each system by its realistic dollar impact, not just an equal point count.
How is the Suggested Offer Price determined?
Suggested Offer Price starts from the Asking Price and subtracts 70% of the Estimated Repair Cost, rather than the full repair amount. This reflects a common negotiation heuristic: buyers rarely recover 100% of estimated repair costs off the asking price in practice, so splitting most (but not all) of the estimated cost as a discount is a more realistic negotiating target. The suggested offer never drops below $500 regardless of how severe the estimated repairs are -- that floor exists so the calculator never suggests an offer near $0 (or a negative number) on a car with very high repair costs relative to a low asking price, but it means Suggested Offer Price alone can't distinguish "moderate repairs, low asking price" from "severe repairs, low asking price." Compare it against Est. Immediate Repair Cost and True Cost rather than reading it in isolation.
What counts as a 'Critical Issue' in the results?
Critical Issues counts how many of the eight inspected systems were rated "poor" (2), the rating reserved for problems needing immediate work rather than ones that can wait. A car with several critical issues signals more urgent repair needs and a stronger case for negotiating the price down or walking away from the deal entirely.
Does the Asking Price affect the Overall Condition Score?
No. Overall Condition Score is based purely on the eight system condition ratings and is completely independent of Asking Price. Asking Price only enters the separate True Cost, Suggested Offer Price, and Repair Cost as % of Price calculations, which combine the mechanical condition findings with the actual purchase economics.
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