🚗 Will This Car Bone Me?

Calculate your true cost of ownership: what you'll actually spend to own this vehicle after accounting for depreciation and loan payoff

📉

Depreciation Engine v3.1

Compare up to 5 vehicles · 198 models

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📊

Data Explorer

Retention leaders · Segments · Comparisons

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Vehicle Information

Year

Make

Model

Trim

Current Mileage

Purchase & Financing

Purchase Price

Down Payment

Interest Rate (APR)

Loan Length (months)

Credit Score (Optional) 🔒

Exit Analysis (When You Sell/Trade)

ℹ️ This is your exit point — when you plan to sell or trade the vehicle. All cost calculations are based on this timeframe.

Sell/Trade After ?How many years you plan to keep this vehicle before selling or trading it in. All cost calculations are based on this timeframe.

All costs calculated to this point

Expected Mileage at Sale ?Projected odometer reading when you sell. Leave at 0 and we'll estimate based on your vehicle segment's average annual miles.

0 = auto-estimate from segment averages

Vehicle Category ?The vehicle type determines depreciation patterns. Trucks hold value differently than sedans or EVs. Auto-filled when you select a model.

Auto-filled — determines depreciation curve shape

Condition ?Adjust the predicted value based on vehicle condition. +5% for excellent/low wear, -10% or more for poor condition, accidents, or cosmetic damage. 0 = average.

0 = average · positive = above avg · negative = below

Market Factors & Additional Costs

Dealer vs Private Spread ?The gap between what a dealer offers (trade-in) and what you'd get selling privately. Dealers typically pay 8–15% less than private sale value.

8% = fair dealer · 12% = typical · 15% = aggressive

Extra Payment / Month ?Additional money paid toward your loan principal each month. Even $100/mo extra can save thousands in interest and build equity faster.

Goes straight to principal — accelerates equity

Chart Range ?How many years to show on the equity chart. Set this wider than your exit point to see the full picture of when equity turns positive.

Controls the equity chart x-axis

Include Operating Costs

Insurance, maintenance, and registration

💰 Total Cost of Ownership

Net Cost of Ownership

$—

Total payments − equity recovered

True Monthly Cost

$—

True monthly cost to own this vehicle

Total Payments Made

$—

—

Net Proceeds at Exit

$—

—

Equity Position

$—

Vehicle value − remaining balance

Vehicle Valuation at Exit Point

Market Value (Avg)

$—

Average of private & trade-in

Private Party Value

$—

—

Trade-In Value

$—

—

Loan Analysis

Monthly Payment

$—

Base payment (P&I)

Remaining Balance

$—

—

Total Interest Paid

$—

Through analysis point

Payoff Timeline

—

With extra payments

Depreciation Analysis

Residual Value %

—%

Based on depreciation curve

Total Depreciation

$—

Original price to current value

Mileage Impact

—

Annual Depreciation

$—

Average per year

Value vs Balance Over Time

💡 Compare Financing Routes

Compare different financing strategies to find the best approach for your situation. Each route shows costs at your exit point and if held until loan payoff. Operating costs excluded for pure financing comparison.

⚖️ Compare Vehicles

Compare up to 3 vehicles side-by-side to find which one has the lowest cost of ownership.

🔗 Sync Financing

Same terms for all vehicles

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📋 Detailed Breakdown

Category	Value	Notes

💰 Lease Calculator

Calculate your true lease costs including monthly payments, fees, and total cost over the lease term. Add to vehicle comparison to see how leasing stacks up against financing.

Vehicle Information

Year

Make

Model

Segment

Lease Pricing

MSRP (Sticker Price) ($)

Manufacturer suggested retail price

Agreed Upon Price ($)

Negotiated selling price (capitalized cost)

Down Payment / Cap Reduction ($)

Upfront payment to reduce cap cost

Lease Terms

Lease Term (months)

Residual Value (%)

What the car is worth at lease end (typically 50-60%)

Money Factor

Lease interest rate (0.00125 = ~3% APR)

Annual Mileage Allowance

Fees & Taxes

Acquisition Fee ($)

Bank/dealer fee to initiate lease (typically $395-$795)

Disposition Fee ($)

Fee to return vehicle at lease end (typically $350-$500)

Sales Tax Rate (%)

Applied to monthly payment in most states

Registration & Fees ($)

Upfront registration, plates, documentation

🚗 Will This Car Bone Me?

📉 Depreciation Prediction Engine v3.1

📊 Data Explorer iSeeCars Dataset

Vehicle Information

Purchase & Financing

Exit Analysis (When You Sell/Trade)

Market Factors & Additional Costs

💰 Total Cost of Ownership

Net Cost of Ownership

True Monthly Cost

Total Payments Made

Net Proceeds at Exit

Equity Position

Operating Costs

Vehicle Valuation at Exit Point

Market Value (Avg)

Private Party Value

Trade-In Value

Loan Analysis

Monthly Payment

Remaining Balance

Total Interest Paid

Payoff Timeline

Depreciation Analysis

Residual Value %

Total Depreciation

Mileage Impact

Annual Depreciation

Value vs Balance Over Time

💡 Compare Financing Routes

⚖️ Compare Vehicles

📊 Value Over Time

💰 Net Cost Comparison

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🔍 Find This Vehicle

📋 Detailed Breakdown

💰 Lease Calculator

Vehicle Information

Lease Pricing

Lease Terms

Fees & Taxes

📊 Lease Cost Analysis

💳 MONTHLY PAYMENT (w/ Tax)

Total Lease Cost

Cost Per Month Owned

Base Monthly Payment

Total Depreciation

Total Interest Charges

Due at Signing

Residual Value at End