The second look before you sign.
Buying a car or refinancing a mortgage is a big decision — worth a second look before you proceed. These aren't gotcha calculators; they're here to help you map out your own scenarios. Change the trade-in. Change the term. Add an extra payment. Watch how the real cost moves before you decide — that's the whole idea: you walk in already knowing your numbers.
The sticker isn’t the price. Tax, title, doc fee, and the payment — broken down line by line before you ever sit down.
Flip the deal around: start from the payment you can live with and work backwards — through your state's actual tax rules — to the sticker price you can shop.
Your real payoff date, what the loan truly costs, and exactly what an extra payment every month buys back.
Upside down on the trade? See how much of every new payment goes to a car you no longer own.
Two ways to use a windfall, one clear verdict. We raise an eyebrow at the expensive one.