™AutoFire™ tools / Sales & finance
Free Car Out-the-Door Calculator
Separate purchase cost, tax treatment, trade equity, and amount financed in one clear deal worksheet.
Your work stays yours.
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No login or email required.
Your numbers
Enter the actual tax rate and fee treatment for the transaction. This tool does not look up state or local rules.
Your estimate
- Out-the-door purchase cost
- $25,179.25
- Sales tax
- $1,660.25
- Taxable base
- $22,900.00
- Trade equity
- $0.00
- Estimated amount financed
- $25,179.25
Your worksheet
| Item | Amount ($) |
|---|---|
| Sale price | $22,900.00 |
| Rebate / discount | -$0.00 |
| Sales tax | $1,660.25 |
| Doc fee | $399.00 |
| Title / registration | $220.00 |
| OTD purchase cost | $25,179.25 |
| Trade equity | $0.00 |
| Cash down | $0.00 |
| Amount financed | $25,179.25 |
How to Use the Car Out-the-Door Calculator
Enter the figures from the buyer's worksheet or purchase quote. The calculator adds estimated taxes and required fees, then subtracts rebates and discounts from the purchase cost. Trade equity and cash down are applied separately to the amount financed.
Enter the Vehicle Sale Price
Use the negotiated vehicle price before tax and required government charges.
Add Sales Tax and Dealer Fees
Enter the applicable tax rate, documentation fee, title fee, and registration fee.
Account for Rebates and Trade Equity
Use the tax treatment switches for trade value and rebates. Trade value minus its loan payoff is applied to financing.
Car Out-the-Door Price Example
This example uses the calculator's starting values and illustrates the basic formula. Change the inputs above to match the actual transaction.
Example with a $22,900 Vehicle Sale Price
| Item | Example Amount | How It Affects OTD Price |
|---|---|---|
| Vehicle sale price | $22,900 | Starting price |
| Estimated sales tax at 7.25% | $1,660.25 | Added |
| Documentation fee | $399 | Added |
| Title and registration | $220 | Added |
| Estimated out-the-door price | $25,179.25 | Estimated total |
Example Calculation
$22,900 vehicle price + $1,660.25 estimated tax + $399 documentation fee + $220 title and registration = $25,179.25 estimated out-the-door purchase cost.
What Is Included in an Out-the-Door Car Price?
Vehicle Sales Tax
Sales tax may be based on the buyer's registration address, vehicle price, taxable fees, and state rules. Some states apply a trade-in tax credit and others do not.
Documentation, Title, and Registration Fees
Documentation fees are charged by the dealership. Title and registration charges are generally tied to state and local requirements. Additional required charges may apply in a specific transaction.
Trade-In Tax Credit, Rebates, and Discounts
A trade-in can reduce the amount due and may reduce the taxable base where state law allows. Rebates and discounts can be taxed differently, so confirm how each item is treated on the final buyer's order.
Car Out-the-Door Calculator FAQs
What is included in a car out-the-door price?
The out-the-door price typically includes the negotiated vehicle price, sales tax, documentation fee, title fee, registration fee, and other required charges, minus applicable rebates and discounts. Trade equity and down payment reduce the amount to be financed separately.
Does this calculator include state taxes?
It uses the tax rate you enter. Taxable fees, trade-in credits, and registration rules vary by state, so verify the result against the final buyer worksheet.
Is out-the-door price the same as amount financed?
Not always. A down payment, trade equity, loan payoff, optional products, and lender terms can change the amount financed without changing the base out-the-door purchase price.
Car Dealer Pricing and Marketing Resources
Dealers can link this calculator from pricing-focused vehicle pages and marketing campaigns. Keep advertised prices, fees, and inventory status consistent with the final buyer worksheet.
For informational use only. This estimate is not a binding purchase quote or legal, tax, or financial advice. Tax rates, taxable fees, rebates, and trade-in credits vary by location and transaction. Verify current rules with official state or local sources and confirm the final buyer’s order; consult a qualified professional when needed.
How to use this tool
- 1Enter price, tax rate, doc fee, and title/registration.
- 2Choose how trade credit, rebates, and doc fees affect the tax base.
- 3Add the trade payoff and down payment, then export the worksheet.
How the result is built
OTD purchase cost = price − rebate + tax + fees. Amount financed = OTD purchase cost − trade value + trade payoff − down payment, floored at zero. Use your jurisdiction’s actual tax treatment and fees.
An example from the lot
A $20,000 price at 7% tax plus $500 in fees has a $21,900 purchase cost before trade equity or cash down.