New
  • Tax & fees: from the state selector (ballpark rate + flat registration/title estimate), fully overridable.
  • Financing: loan = OTD price minus down payment. Global APR default applies unless a vehicle has its own override set in Manage Vehicles.
  • Maintenance: per-vehicle — Toyota-style ($100/yr yrs1-2, $800/yr yrs3-5), oil-change interval, one-time service, or none.
  • Energy/fuel: gas $/gal and electricity $/kWh default to the selected state, overridable.
  • Tires: discrete replacement events, not prorated — a full set only when the odometer crosses the tread-life threshold.
  • Insurance: per-vehicle annual figure, held flat across the period.
  • Depreciation: the price you pay minus what the car is expected to be worth as a trade-in at the end, based on what older versions of the same car sell for today.
  • True Cost: depreciation + interest + tax & fees + fuel + tires + insurance + maintenance. Loan principal isn't counted twice.
  • Not included: registration renewals after yr 1, opportunity cost of down payment, EV tax credits.
New-SED (Current Gen)
  • Vehicles tagged "New-SED" in Manage Vehicles — typically low-mileage, current-generation used stock.
  • Tires: continuous odometer tracking from current mileage, with a "new tires" toggle that resets the tread-life clock.
  • Savings %: True Cost vs. the same model's New-section True Cost.
Used
  • Vehicles tagged "Used (Current Gen)" or "Used (Previous Gen)" in Manage Vehicles. Each row is labeled Current Gen or Prev Gen.
  • Current Gen covers higher-mileage cars, or older model years of a generation that has run for many years. Prev Gen covers the prior design.
  • Independent new-tires toggle.
  • Savings %: True Cost vs. the same model's New-section True Cost.

Vehicle Cost Comparison

Select vehicles to compare, click a row for the full breakdown.

Down Payment & Mileage
A bigger down payment lowers "Car Pmt/mo" but can raise "Total Cash Cost" — the extra cash isn't lost, it's equity in the car.
Financing (global default)
Applies to every vehicle unless it has its own APR override set in Manage Vehicles.
Tax & Fee Estimate
"DMV $" = registration/title/plates only, not sales tax.
Fuel & Energy
Depreciation
Ownership period
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