Negative Equity Rollover Calculator

Owe more than the trade is worth? Squint at what rolling that balance into a new loan really costs — including how much of every payment goes to a car you no longer own.

How to use it: enter the dealer's trade offer, what you still owe, and the new deal — The Math shows how much of the new loan is really the old car.

Example numbers so you can see how it works — swap in yours.

1 · The car you're trading

Trade-in valuewhat the dealer offers
Loan payoffcall your lender for exact
You're upside down by $4,500 — this rolls into the new loan.

2 · The new deal

New vehicle price
Sales tax ratecombined
Doc + title fees
Cash down
APR
Term

What you're actually financing

new car 87%old debt 13%

$84.51 of every $657.03 monthly payment services the old car, and you'll pay roughly $1,584 in interest on debt from a vehicle you no longer drive.

Assumes your state gives a trade-in tax credit (tax charged on price minus trade value). Most states do — a handful tax the full price instead. For your state's exact tax and fee rules, run the deal through the out-the-door calculator. Day-one equity assumes the new vehicle is worth what you paid; real depreciation makes the position worse. Estimates only.

How rollovers snowball

Rolling negative equity forward means financing a car you no longer own inside the loan for one you do. Done once, it is sometimes a defensible trade-off; done twice, the hole compounds — each rollover starts the next loan deeper underwater, and GAP coverage stops being optional. The calculator above shows the honest split so you can decide with the number in front of you.