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Out-the-door price calculator

The true out-the-door price of a car is far more than the sticker: it folds in sales tax, dealer doc fees, title, registration and add-ons, minus your trade-in and rebate. Enter each line — and toggle whether your state credits sales tax on the trade-in — to see the taxable amount, the tax and the final cash price. Add a rate and term for an estimated monthly payment, and a dealer quote to check the gap.

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Enter Vehicle price, Add-ons (warranty, accessories), Sales tax rate, Trade-in value, Trade-in reduces taxable amount?, Manufacturer rebate, Dealer doc fee, Title fee, Registration fee, Down payment (optional), Loan APR (optional), Loan term (months, 0 = none), Dealer's out-the-door quote (optional) and the Out-the-door price calculator works out Taxable amount, Sales tax, Out-the-door price, Amount financed, Estimated monthly payment, Dealer quote vs calculated straight away.

How to use it

  1. Enter your values: Vehicle price, Add-ons (warranty, accessories), Sales tax rate, Trade-in value, Trade-in reduces taxable amount?, Manufacturer rebate, Dealer doc fee, Title fee, Registration fee, Down payment (optional), Loan APR (optional), Loan term (months, 0 = none), Dealer's out-the-door quote (optional).
  2. Read the result instantly: Taxable amount, Sales tax, Out-the-door price, Amount financed, Estimated monthly payment, Dealer quote vs calculated.

Frequently asked questions

How does the Out-the-door price calculator work?

It takes Vehicle price, Add-ons (warranty, accessories), Sales tax rate, Trade-in value, Trade-in reduces taxable amount?, Manufacturer rebate, Dealer doc fee, Title fee, Registration fee, Down payment (optional), Loan APR (optional), Loan term (months, 0 = none) and Dealer's out-the-door quote (optional) and derives Taxable amount, Sales tax, Out-the-door price, Amount financed, Estimated monthly payment and Dealer quote vs calculated from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

13 values: Vehicle price ($), Add-ons (warranty, accessories) ($), Sales tax rate (%), Trade-in value ($), Trade-in reduces taxable amount?, Manufacturer rebate ($), Dealer doc fee ($), Title fee ($), Registration fee ($), Down payment (optional) ($), Loan APR (optional) (%), Loan term (months, 0 = none) and Dealer's out-the-door quote (optional) ($). Nothing else is required — no account, no file upload.

Which “Trade-in reduces taxable amount?” option should I choose?

You can pick between « Yes (tax credit) » and « No ». Each one changes what the calculator works out, so switch and compare — the default is « Yes (tax credit) ».

Which units should I enter the values in?

Enter Sales tax rate % and Loan APR (optional) %.

When would I actually use this?

Deciding between two cars, or between keeping one and replacing it: fuel or charging, insurance, depreciation and what a kilometre really costs.

What is the most common mistake?

Comparing on fuel alone. Depreciation is usually the largest line in the first years and dwarfs the difference in consumption between two comparable cars.

What is the difference between the Out-the-door price calculator and the Car lease calculator?

This one returns Taxable amount and Sales tax; the Car lease calculator returns Monthly payment and Residual value. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Lease vs Buy Calculator is the closest one after this: Compare the total cost of leasing versus financing a car purchase.

Where do the figures come from, and how current are they?

The arithmetic is exact for the prices and consumption you enter. Manufacturer figures are measured on a standard cycle and real-world consumption is routinely 10% to 25% higher.

Further reading

All guides →
GuideThe Price You See and the Price You Sign: Building an Out-the-Door NumberAn advertised $32,000 car leaves the lot at $36,399 before any trade-in — $2,324 of sales tax, $500 of doc fee, $375 of title and registration and $1,200 of add-ons. Strip the add-ons and the irreducible gap is $3,115, or 9.73 percent of the sticker.ExplainerHow Fast Do Cars Depreciate? The Value CurveNew cars lose value fastest in year one, then 15–20% a year. See the depreciation curve, why the first year hits hardest, and a worked example.How-toHow Much Car Can I Afford? The 20/4/10 Rule ExplainedFigure out a realistic car budget using the 20/4/10 rule, income limits, and total cost of ownership — not just the sticker price on the window.ComparisonElectric or Petrol: From How Many Miles a Year Does It Pay Off?The break-even is a division, and the number underneath it moves more with where you charge than with which country you live in. Electricity and fuel prices from 2025 and 2026, the arithmetic in full, and the point at which an electric car stops saving anything at all.ComparisonLeasing, Hire Purchase or Cash: the Five-Year Total, Not the Monthly PaymentThree ways to put the same car on the drive, priced over five years at the same interest rate. The monthly payments rank the options in exactly the reverse order of what they cost — and the gap turns out to be a single, computable number.GuideMileage Allowances: the Official Scales in France, Spain and Italy, and What They Do Not CoverOne country gives you a formula that changes with the car's horsepower and the distance driven, one gives everybody the same figure per kilometre, and one publishes a table per model. All three are meant to cover the whole cost of running a car, and all three leave out things people assume are included.