Start rough
Use reasonable estimates. You can refine them as real prices become available.
Big Decision Calculator
Before you commit, get the ballpark.
A simple first look at what a major decision could cost today, each month, and over time.
Free to useNo account neededNumbers stay in your browser
Quick decision estimate
Start with the big picture.
Pick what you're considering, enter a few ballpark numbers, and see the impact. No account. No financial jargon.
Your best estimates
Rough numbers are enough for a useful first look.
Your ballpark will appear here
Enter a cost today, a new monthly cost, or both. Results update as you type.
Put the estimate in context.
Check whether the monthly change fits your current plan, or open financing details when you have written terms.
Budget check
See what your month is already asking for.
Add a few monthly totals. The helper shows what remains, includes your current decision estimate, and explains which assumptions deserve another look.
Monthly plan
Category totals are enough. This is not asking for transaction history.
Want to test a new decision too?
Complete Quick estimate first, then its monthly change will appear here automatically.
Start with take-home income
Then add rough monthly category totals. The explanation updates as you type.
Loan Payment Calculator
Smart Loan
Calculations
Please fill in all required fields and select an APR rate to calculate payments
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About the example APRs
These rates are hypothetical comparison scenarios. They are not sourced from lenders and do not represent an offer or an average.
Auto Loan Offer X-Ray
Find the costs hiding behind the monthly payment.
Copy the line items from a buyer's order or financing worksheet. We reconcile the amount financed, expose trade equity and add-ons, and show what the offer costs from today forward.
Calculation assumptions
Amount financed equals vehicle price, taxes, title and registration, dealer fees, and add-ons, minus cash down, rebates, and net trade equity. Negative trade equity increases the amount financed. Payments assume a fixed APR, equal monthly payments, and no prepayment or late fees.
Simple by design
One useful estimate before the detailed research.
The first question is usually not “Can I optimize every variable?” It is “What might this do to my life and monthly budget?”
Check the monthly reality
Carry the estimate into Budget Check to see it alongside current spending and savings.
Go deeper only when needed
Detailed loan and auto-offer tools remain available for written financing terms.
Common questions
What should I include in the monthly cost?
Include the recurring costs you expect to matter: payments, rent, insurance, care, maintenance, subscriptions, commuting, or anything else caused by the decision.
What does “monthly cost this replaces” mean?
It is an expense likely to go away. A move may replace current rent; a car may replace transit or an existing payment. Enter zero if nothing is replaced.
Is this telling me what I can afford?
No. It shows the size of the change using your estimates. Your savings, income stability, goals, risks, and professional guidance may also matter.
Are the detailed loan tools lender quotes?
No. They are educational calculations. Enter written terms when possible and verify all costs before making a commitment.
Decision guides
Start with the costs people often discover too late.
Each guide turns a real-life decision into upfront costs, new monthly costs, replaced expenses, and questions to verify.