πŸš— Auto & Vehicle Calculator Hub

Everything you need to make smart car decisions. From calculating fuel costs to comparing EV savings and figuring out what you can afford.

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Gas Mileage Calculator

Track your fuel efficiency by calculating miles per gallon. See how your driving habits affect your MPG.

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Trip Fuel Cost

Plan your road trip budget. Enter distance, MPG, and gas price to estimate total fuel costs.

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Car Loan Calculator

Calculate monthly auto loan payments, total interest, and see how different terms affect your costs.

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Car Lease Calculator

Estimate monthly lease payments including money factor, residual value, and fees.

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EV Savings Calculator

Compare the total cost of owning an electric vehicle vs. a gas car over time. See your potential savings.

Compare EV vs Gas β†’
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Car Depreciation Calculator

See how your car's value drops over time. Understand the true cost of ownership beyond the sticker price.

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Tire Size Calculator

Compare tire sizes and see how different sizes affect speedometer accuracy and ground clearance.

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Car Affordability

Find out how much car you can afford based on your income, expenses, and down payment.

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πŸ“š Smart Car Buying Guide

Follow these steps to get the best deal on your next vehicle.

1️⃣

Set Your Budget

Use our car affordability calculator. Keep total car costs (payment, insurance, gas, maintenance) under 15-20% of take-home pay.

2️⃣

Get Pre-Approved

Check rates at your bank or credit union before the dealership. This gives you negotiating power.

3️⃣

Research Your Options

Compare new vs. used. A 2-3 year old certified pre-owned car avoids the steepest depreciation.

4️⃣

Consider Total Cost of Ownership

Don't just look at the sticker price. Factor in insurance, fuel, maintenance, and depreciation.

5️⃣

Lease vs. Buy Decision

Leasing = lower payments, always new car. Buying = higher payments, but you own it and build equity.

6️⃣

Negotiate the Price

Focus on the total out-the-door price, not just the monthly payment. Get quotes from multiple dealers.

πŸ’‘ Quick Facts for Car Buyers

The 20/4/10 Rule

Put at least 20% down, finance for no more than 4 years, and keep total transportation costs under 10% of gross income. This keeps you from being "upside down" on your loan.

Depreciation Facts

  • Year 1: Cars lose 20-25% of value
  • Year 3: Lost about 40% of value
  • Year 5: Worth about half the original price
  • Best value: Buy 2-3 years old

EV vs Gas Comparison

  • EVs cost ~$0.04/mile in electricity
  • Gas cars cost ~$0.12-0.16/mile in fuel
  • EVs save $800-1,200/year on fuel
  • EV maintenance is 30-40% cheaper
  • Federal tax credit up to $7,500 for EVs

Hidden Costs to Budget

  • Insurance ($1,200-2,400/year)
  • Maintenance ($500-1,000/year)
  • Registration and taxes
  • Fuel ($1,500-3,000/year)
  • Parking and tolls

πŸ“– Key Auto Terms to Know

APR vs Money Factor
APR is the annual interest rate for loans. Money factor is used for leases β€” multiply by 2,400 to get the equivalent APR.
Residual Value
The predicted value of a leased car at lease end. Higher residual = lower monthly lease payments.
Gap Insurance
Covers the difference between what you owe and what the car is worth if it's totaled. Essential for new cars with small down payments.
Upside Down / Negative Equity
When you owe more on your car loan than the car is worth. Common with long loans and small down payments.
MSRP vs Invoice Price
MSRP is the sticker price. Invoice is what the dealer paid. Your target price is between these two numbers.
CPO (Certified Pre-Owned)
Used cars inspected and warrantied by the manufacturer. More expensive than regular used, but more peace of mind.
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Ready to Start?

Begin with our car affordability calculator to see what fits your budget.

Check Budget