Buy calculator
Level-payment loan estimate for a purchase. Illustration only — not a credit decision, rate lock, or contract.
Loan inputs
Adjust numbers to match a quote or what you’re shopping for.
Document
Optional header on your printout. Where: dealer quote, buyer’s order, or emailed deal recap (quote # / control #).
Date shown on this worksheet. Where: match the date on your dealer quote or purchase order, or leave today for drafts.
Who you’re buying from or financing with. Where: quote letterhead, purchase agreement header, or lender name on credit approval.
Vehicle
Vehicle line on your summary. Where: auto-fills from the pickers below; or copy sticker, listing title, or insurance card.
Must match the vehicle. Where: window sticker model year, registration, insurance declarations, or seller listing.
Make / brand. Where: registration make field, sticker, or listing — choose here from the federal catalog.
Model name for that year/make. Where: sticker model line or DMV registration model field.
Trim / equipment group. Where: Monroney trim line, dealer addendum, build sheet, or Trim from VIN with the VIN field here.
Full VIN. Where: door jamb plaque, windshield plate, insurance card, registration, or dealer inventory sheet.
New: Monroney MSRP line. Used: seller asking or advertised price. Where: sticker photo, dealer listing, or purchase agreement vehicle price section.
Purchase & tax
Vehicle price before tax and government fees. Where: purchase agreement “vehicle price”, dealer recap selling price, or itemized worksheet.
Extras bundled into vehicle price. Where: dealer addendum listing warranties, accessories, protection packages — itemized dollars.
Rebates / incentives in dollars. Where: manufacturer incentive sheet, dealer rebate disclosure, or worksheet cap of cost / rebate lines.
Negotiate first: leave add-ons and incentives/rebates at zero until you have an agreed selling price for the vehicle, then enter them here so they adjust the worksheet (not every incentive changes taxable amount the same way — verify your quote).
ZIP for tax lookup and dealer radius. Where: address ZIP on your quote, DMV registration ZIP, or USPS tool — verify rate on dealer OH/TTL worksheet.
Combined sales tax rate (%). Where: dealer tax breakdown, county/state rate sheet, or Look up tax % here then compare to quote.
Whether tax rolls into amount financed in this worksheet. Where: compare to your lender’s disclosure — tax-in-loan vs pay-at-signing varies.
Estimated tax applies to adjusted vehicle price (negotiated price + add-ons − rebates, floored at zero) minus trade value (trade allowance). Payoff does not reduce that taxable amount in this worksheet; equity still reduces amount financed. Rules vary by state.
Cash & trade
Cash down from you. Where: worksheet lines labeled cash down, customer cash, or cap reduction on finance recap.
Fees financed into the loan. Where: fee breakdown — doc fee / dealer fee lines included in amount financed (not separate DMV cash).
Trade allowance. Where: trade appraisal printout or worksheet “trade allowance” / ACV line.
Loan payoff on your trade. Where: lender payoff quote with per-diem, loan portal payoff figure, or payoff letter.
Loan terms
APR as a percent (e.g. 6.49). Where: finance contract Truth-in-Lending box, dealer rate for your credit tier, or lender pre-approval letter.
Loan term in months. Where: finance agreement payment schedule or worksheet term — used caps at 72 mo here.
Leasing instead? Use the lease calculator.