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.

Lease vs. Buy

• Car Loan vs. Lease Comparator

  Compare the true 5-year cost of buying vs. leasing a vehicle — monthly payment, total interest paid, residual value, mileage penalties, and net cost after sale. Cited to Reg Z (Truth in Lending), NADA guides, and IRS Rev. Proc. annual standard mileage rates.

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Ownership Cost

• True Auto Ownership Cost Calculator

  Calculate the all-in annual cost of owning a vehicle: depreciation, insurance, fuel, maintenance, registration, and financing. Cited to AAA annual Your Driving Costs report, IRS Rev. Proc. standard mileage rate, and BLS Consumer Expenditure Survey.

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Financing

• Auto Loan Amortization Calculator

  Month-by-month amortization schedule for an auto loan, with total interest paid and early-payoff scenarios. Cited to Reg Z (12 CFR Part 226) and CFPB auto loan disclosure requirements.

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Depreciation

• Car Depreciation Calculator

  Model year-by-year depreciation curves using Kelley Blue Book depreciation data and NADA average residual values. Shows the steepest depreciation window (Years 1–3) and optimal sell-or-trade timing.

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