Buy, lease or used. In total dollars.
Put up to three cars side by side: the payment, the interest, insurance, gas, fees and what you get back at resale. One number per car.
Cash, finance or lease · 3 to 10 years · Export to CSV
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Illustration with the tool's defaults: $30,000 price, $6,000 down, 60 months at 6.5%. Change any number below.
Negotiate the price, not the payment.
Use real numbers
Get an insurance quote for the exact model. Premiums swing by car more than most people expect. Check resale estimates on KBB or NADA.
The 20/4/10 rule
A common rule of thumb: 20% down, a loan of four years or less, and car costs under 10% of gross income.
Leases have a meter
Mileage overage is often around $0.25 a mile. Be honest about your driving before you pick the allowance.
Longer is pricier
A lower monthly payment over 72 or 84 months usually means more interest in total. Compare the totals, not the payments.
Illustration only. These are estimates for comparison. Actual costs depend on your location, driving, the vehicle and the contract. Get real quotes and read every term before you sign. KesefSmart is general education, not financial advice.