Every calculator on this page is free, runs in your browser (nothing is saved or sent anywhere) and shows its math. They’re built from published data — RepairPal and AAA repair costs, Consumer Reports maintenance surveys, Edmunds and iSeeCars depreciation studies, and insurance industry averages — so the answers are realistic rather than optimistic.
Gap Insurance Calculator
How far underwater is your loan, and is gap coverage worth paying for?
Open →Repair or Replace?
Fix the car or buy another — the real two-year cost of each.
Open →True Cost of Ownership
Your real monthly cost including depreciation, fuel, insurance and interest.
Open →Lease vs Buy
Honest 3, 5 and 7-year totals for leasing versus buying the same car.
Open →How Much Car Can I Afford?
A budget built on the 20/4/10 rule and your actual take-home pay.
Open →Car Depreciation Calculator
What your car will be worth in 1–10 years, by vehicle type and mileage.
Open →Which one should I start with?
If you’re shopping, start with affordability to set a ceiling, then run your shortlist through the true cost of ownership tool — two cars with the same price can differ by $150 a month once insurance and fuel are counted. If you already own a car and a repair bill just landed, go straight to repair or replace. And if you financed recently with little down, check the gap calculator before the dealer’s finance office calls.
Have an idea for a calculator we should build next? Tell us.