Auto Math Pro · Bedrocka Tools
Auto math without the dealer pitch.
Most auto calculators are run by dealers, captive finance arms, or lead aggregators with a commission on the answer. This site is the opposite: every formula is open-source, every assumption cites the primary source (Reg Z, Kelley Blue Book depreciation curves, IRS Rev. Proc. annual mileage rates, NADA guides), and every tool is reviewed by a named operator. Built for car buyers comparing lease vs. buy, financing options, true ownership cost, and depreciation curves.
Calculators
Pick the auto math you actually need.
Learn
Concepts behind the auto math.
Lease vs. Buy
Lease vs. buy: the real math most dealers don't show you
The money factor conversion (MF × 2400 = APR equivalent), residual value sensitivity, and 5-year total cost comparison that dealers prefer you don't see. Cited to Reg Z, NADA, and KBB depreciation data.
Ownership Cost
The true cost of car ownership: what the sticker price leaves out
AAA estimates the average new car costs $12,000+ per year all-in. This breakdown shows where the money goes — and which costs you can actually control.
What makes this different
Three things every Bedrocka Tools site does that the dealer-quote mills don't.
Open-source math
Every calculator's formula is published as TypeScript with Vitest tests in a public repo. Click "View source" in any math accordion to see the actual implementation. Most dealer-quote tools hide their math and their commissions; we publish ours.
Browse the math →Primary-source citations only
Every rate, depreciation curve, and mileage rate links to the original document — Reg Z (12 CFR Part 226), Kelley Blue Book depreciation data, IRS Rev. Proc. annual standard mileage rates, NADA guides. No "industry estimate" hedging. The citation is the proof.
Read the methodology →Named operator, no commission
Reviewed and signed by Byron Malone— operator-author who has modeled these exact auto finance decisions on his own vehicles. Not a dealer. Not a lead aggregator with a CPL deal. Nothing here earns a commission tied to the answer the calculator gives you.
Read Byron's bio →Bedrocka Tools family
Auto Math Pro is part of the Bedrocka Tools portfolio of source-cited calculator sites. For business finance — loans, cash runway, DSCR, valuation — visit bizmathpro.com (Business Finance Hub). Same doctrine, different depth. Each site is individually source-cited and quarterly reviewed.
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