Build the deal from sticker price to amount financed
Enter the numbers from the deal sheet. Trade-in sales-tax treatment varies by state, so use the toggle to match the rule that applies to you.
Planning estimate only. Tax treatment, taxable fees, lender rules and dealer paperwork vary. Use the written buyer's order and lender disclosure for final figures.
Separate required transaction costs from optional products.
Title, registration and government charges are different from optional warranties, protection packages or dealer-installed products. Keeping them in separate fields makes the buyer's order easier to audit.
Every financed fee can also create interest.
If a charge is rolled into the loan, you may pay interest on it for the length of the financing term. Compare both the fee itself and the financed effect.
FAQ
What fees should I include in an out-the-door estimate?
Use the itemized buyer's order. Common categories can include sales tax, title, registration, documentation charges and any optional products you choose.
Are all dealer fees negotiable?
No. Some charges are government-imposed or otherwise fixed while others may be dealer-set or tied to optional products. Ask for an itemized explanation of each line.
Do financed fees increase total interest?
Yes. When a fee or add-on becomes part of the financed principal, interest can be charged on that additional balance according to the loan terms.