Quick guide
How to use this calculator
- Enter the contract or offer figures using one consistent currency and distance unit.
- Keep rates, terms, fees, rebates, and timing aligned with the visible labels.
- Compare the outputs with the stated exclusions before making a decision.
Calculation method
Calculation method
Cash-back principal = price + financed fees − cash contribution − rebate; low-interest principal excludes the rebate. Both use level amortization over the same entered term.
Entered monetary components use exact fixed-decimal arithmetic. Amortizing comparisons reuse the reviewed stable loan schedule and round only for presentation.
Worked example
Worked example
Compare a 2,000 rebate with standard financing against no rebate at a lower rate on the same vehicle, fees, cash contribution, and term.
Cash-back principal = price + financed fees − cash contribution − rebate; low-interest principal excludes the rebate. Both use level amortization over the same entered term.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, rates at 1000%, terms at 1,200 months, and fixed decimals at 12 places.
Descriptive comparison
These tools describe entered cash flows and contract terms. They do not recommend a lender, lease, refinance, incentive, or purchase.
International scope
No currency, country, tax, lender rule, distance system, credit eligibility standard, or consumer-protection outcome is assumed.
Calculator-specific assumptions
The calculator compares scheduled financed payments only. Eligibility, taxes not entered as financed fees, insurance, investment returns, and offer restrictions are excluded. It does not recommend an offer.