Financial
Estimate out-the-door price from selling price, rebates, trade-in equity, down payment, sales tax, and doc/title fees. Choose a common tax base or full-price tax for your state.
An out-the-door (OTD) price calculator estimates cash due at signing: selling price, incentives, trade net, down payment, sales tax, doc/title fees, and negative equity rolled in. Dealers quote monthly payment; smart buyers quote OTD.
Use it on the phone before you visit the store, when comparing out-of-state purchases, or when a rebate changes mid-month. Pick tax-on-trade vs tax-on-full-price to match your state.
A good outcome: one number you can compare across three dealers on the same VIN without hidden doc packs.
Separate doc fee from government title/registration — some states cap doc; others do not.
Rebates may reduce taxable base in some states only — verify locally for EV credits and manufacturer cash.
If due is negative (large trade + down), you may get a check back — rare on new cars but common on high-equity trades.
Net trade = Trade value − Payoff
Tax = Tax base × Tax rate
Due = Price − Rebates − Down − Trade credit + Rolled negative equity + Tax + Fees
Due = price − rebates − down − trade credit + rolled negative equity + tax + fees.
Trade credit for tax: taxable base may be (price − trade) or full price depending on mode selected.
Price $34,500, $1,500 rebate, trade $9,000 / payoff $4,000, $3,000 down, 6.25% tax on price minus trade, $499 doc + $150 title → OTD in the mid-$26k–$28k due range depending on tax mode — always match your state’s trade tax rule.
OTD calculators miss dealer add-ons, nitrogen tires, VIN etch, and optional warranties unless you add them to fees. Doc fees vary wildly by state and store.
Temporary tags, insurance first payment, and first month’s payment if required upfront are not always “OTD” in dealer speak — ask for a line-item worksheet.
Typically selling price, tax, title/registration, doc fee, and minus down and trade credit. Optional products are negotiable add-ons.
Tax base rules (trade credit, rebates taxed or not) and local district tax differ. Enter the correct tax mode for your DMV rules.
In some states it is capped by law; elsewhere it is profit — you can negotiate price to offset a high doc fee.
Pair this calculator with these related tools in the garage — same session, no signup.