Calculate the true total cost of buying a car including state-specific sales tax, title fee, registration, and dealer fees. No surprises at the dealership - know your out-the-door price before you go. No signup required.
State-specific sales tax on vehicle purchase.
Title fee and registration costs by state.
Dealer doc fees and other add-ons.
Factor in trade-in to reduce taxable amount.
See impact on monthly payment.
Accurate rates for your state.
Calculate the true total cost including taxes, title, registration, and fees.
Paint protection, fabric coating, VIN etching, etc.
Note: Local taxes may add to the base state sales tax rate.
OTD price includes the negotiated vehicle price plus sales tax, registration, title and doc fees, and any dealer-added fees. It's the total you need to pay or finance.
Negotiate the OTD price first. Focusing only on monthly payment can hide a longer term or higher total cost.
Documentation fees, advertising fees, dealer prep fees, and add-ons (paint protection, fabric protection) are negotiable or can be declined. Only taxes and government fees are non-negotiable.
Check if the dealer price is fair →Common questions about this tool
Out-the-door (OTD) price includes the negotiated vehicle price plus sales tax, registration, title and doc fees, and any dealer-added fees. It’s the total you need to pay or finance.
Negotiate the OTD price first. Focusing only on monthly payment can hide a longer term or higher total cost. Once OTD is set, you can then discuss down payment and term.
Calculate your monthly payment with amortization schedule and total interest.
Calculate monthly lease payment, money factor, and total lease cost.
Use the 10-15% rule to find your car budget based on income.
Check your estimated auto loan rate and approval likelihood.