Price
:
  $
:
+ $
:
= $
:
- $ (% of MSRP)
:
= $
:
+ $
:
+ $
:
= $
:
+ $
:
+ $
:
+ $
:
= $
Dealer Costs
:
$
:
$ %
:
$ %

Payment
:
%
Terms
Interest Rate
Residual (lease-end purchase price) $ (%)
Reductions
Cash-Back Incentive $
Trade-in + $
Downpayment + $
Reductions = $
(% of Cap Cost)
= $
Loan Calculations
Tax on car = (Total Vehicle Price - Trade-in) * Sales tax rate $
Loan Principle = Total Vehicle Price + Tax on car - Reductions $
Loan Interest $
Lease Calculations
Net Cap Cost = Total Vehicle Price - Reductions $
Monthly Depreciation = (Net Cap Cost - Residual) / Months $
Monthly Finance Charge = (Net Cap Cost + Residual) * Money Factor $
Monthly Tax = (Monthly Depreciation + Monthly Finance Charge) * Sales Tax Rate $
Payments
Monthly Payment Loan: = (Loan Amount * APR/12) / (1 - (1 + APR/12)-Months) Lease: = Monthly Depreciation + Monthly Finance Charge + Tax $
Total due on delivery Loan: = downpayment Lease: = downpayment + 1st monthly payment $
Long-term Cost
Total owed after delivery $
Total cash spent on car (excludes trade-in) $
Total value spent on car (includes trade-in) $
Keep the car for how long?
Expected sale or trade-in value at that time: $
Net Total Cost = Total value spent on car - Expected end value $
Average net cost per annum = Net Total Cost / Years kept $/year
Average net cost per diem = Net Total Cost / days kept $/day