Car buying

Out-the-Door Price Calculator

Turn an advertised or negotiated vehicle price into an estimated out-the-door total. Add sales tax, dealer and registration fees, then see how trade-in equity and cash down affect the amount to finance.

Calculations run locally without sending your input values

Vehicle price and incentives

Advertised vehicle price$Dealer discountbefore rebates$Manufacturer rebatesoptional$

Tax and fees

Taxable dealer fees$Registration and non-taxable fees$Amount reducing taxable priceonly if allowed locally$Combined sales tax rate%

Enter the part of trade-in credit or incentives that legally reduces the taxable price in your location. Leave it at zero when no reduction applies.

Trade-in and cash

Trade-in value$Amount owed on trade-in$Cash down payment$

Out-the-door price breakdown

Advertised vehicle price	$35,000
Dealer discount and rebates	−$3,000
Sales tax on $28,600	$2,002
Dealer, title and registration fees	$1,600
Out-the-door price	$35,602

Down payment and net trade-in equity reduce the amount to finance, but they do not change the out-the-door price itself. Negative trade-in equity increases the estimated financed balance.

What is an out-the-door price?

The out-the-door price is the total vehicle purchase price before financing interest: negotiated price after discounts and rebates, plus applicable sales tax, dealer documentation charges, title, registration and other mandatory transaction fees.

OTD price = price − discounts − rebates + sales tax + all fees

Amount financed = OTD price − cash down − net trade-in equity

Out-the-door price vs. monthly payment

Negotiating only on monthly payment can hide a longer term, add-ons or a higher total price. Settle the itemized out-the-door price first, then compare loan APR, term and total interest separately.

Sales tax, rebates and trade-in rules vary

Some locations reduce the taxable amount for eligible trade-in credit; others tax more of the selling price. Manufacturer rebates and dealer fees can also receive different tax treatment. Enter the combined rate and taxable reduction that apply to your deal.

Use the buyer’s order to verify the estimate

Ask for an itemized buyer’s order showing selling price, every discount and rebate, taxable amount, tax, documentation fee, government fees and optional products. Remove products you did not request before comparing the total with this estimate.