Free · no email gate
Before you buy, refinance, or
insure a car, know your numbers.
Free calculators that help you estimate payments, insurance costs, refinancing savings, affordability, depreciation, and more — no signup, no email gate, just accurate answers in seconds.
Free · No spam · No signup · 14 calculators
Last updated · June 29, 2026
No email gate
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Same math as lenders
Industry-standard amortization & 10% rule.
Editor reviewed
Formulas re-checked against bank disclosures.
Plain-English output
Every result includes a one-sentence summary.
Insurance
Premium estimates & rate-change math
Predict your premium before quoting, benchmark cost by ZIP, and quantify exactly how much a renewal hike is costing you.
Insurance Cost Estimator
Estimate your annual auto insurance premium in 30 seconds.
Example scenario
Inputs
ZIP · driver age · vehicle
Annual premium
~$1,420
Insurance Premium Predictor
Predict your annual auto insurance premium based on age, credit, record, and state.
Example scenario
Inputs
Age 30 · clean · 100/300/100
Annual premium
~$1,680
Auto Insurance Increase Calculator
See how much your premium went up — and whether it may be worth comparing.
Example scenario
Inputs
$1,440 → $1,680/yr
Annual delta
+$240
Loans
Auto loan math, end-to-end
From 'what can I afford' to 'should I refinance' — every number on a dealer worksheet, including the 84-month-trap interest math dealers won't print.
Car Affordability Calculator
How much car can you really afford based on your income?
Example scenario
Inputs
$80k income · 10% rule
Affordable price
~$28,000
Auto Loan Calculator
Get your real monthly payment and total interest in seconds.
Example scenario
Inputs
$25,000 · 60mo · 7.5%
Monthly payment
$501
Auto Refinance Savings Calculator
See how much you save by refinancing your current car loan.
Example scenario
Inputs
9.5% → 6.5% APR
Monthly savings
$42
Bi-Weekly Payment Calculator
See interest saved + months cut off by paying bi-weekly instead of monthly.
Example scenario
Inputs
$28k · 7.5% · 60mo
Interest saved
~$1,180
Total Interest Paid Calculator
Compare 48 vs 60 vs 72 vs 84-month terms — see how much interest you actually pay.
Example scenario
Inputs
$32k · 7.5% APR
84 vs 48mo delta
+$3,860
Buying & Ownership
Sticker price ≠ real cost
Lease vs buy, out-the-door taxes + fees by state, 5-year true cost of ownership, and trade-in benchmarks before you set foot on a lot.
Lease vs. Buy Calculator
Compare the 5-year real cost of leasing vs financing the same car.
Example scenario
Inputs
$38k SUV · 12k mi/yr
5-yr winner
Buy by $4,200
Title, Tax & Fee Calculator
Estimate the real out-the-door price with sales tax, title, registration, and dealer fees.
Example scenario
Inputs
$32k vehicle · TX
Out-the-door
~$34,800
Total Car Ownership Cost Calculator
The true monthly + annual cost across depreciation, fuel, insurance, maintenance, and tires.
Example scenario
Inputs
5-yr ownership · all-in
True cost
~$48,000
Trade-In Value Estimator
Ballpark your trade-in value before walking into the dealer.
Example scenario
Inputs
2020 RAV4 · 45k mi
Trade-in value
~$22,800
Warranty
Will the extended warranty pay off?
Run the break-even math on any extended warranty quote — including dealer F&I offers. Calibrated against Consumer Reports 2025 buyer outcomes.
How we built these
Same formulas your bank uses. Honest defaults. Clean output.
Five quick disclosures — expand the one that matters to you. The full methodology + scoring rubric lives one click away.
Read our full methodologyCommon questions
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