Out-the-Door Price Calculator

The sticker isn’t the price. Enter your numbers and get an itemized breakdown — tax, title, and fees included — so you can give it a proper side-eye before you ever sit down.

How to use it: enter the agreed price, pick your state, add your trade and financing — the out-the-door total builds line by line in The Math.

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

1 · The vehicle

Agreed vehicle price

State of registration

Texas: Doc fee cap is an OCCC 'safe harbor,' not a hard legal ceiling. Private-party sales are taxed on the greater of price or 80% of the vehicle's Standard Presumptive Value — this estimate assumes a dealer purchase.

Full Texas guide — rates, rules, and fee caps →

2 · Tax & fees

Local tax add-oncity/county

Dealer doc feecapped at $225

Title & registrationestimate

State base rate applied: 6.25% · trade-in reduces taxable amount

3 · Trade & financing

Trade-in value

Trade payoffwhat you still owe

Cash down

APR

Term

Estimates only. Tax rates, trade-in credit rules, and fee caps are approximations and change by locality and year — verify with your state DMV and dealer paperwork.

Why the sticker is never the price

The out-the-door price is the only number that matters: vehicle price plus sales tax, dealer documentation fee, and title and registration. Dealers quote payments; lenders quote rates; the out-the-door total is what you actually agree to. Two things move it most: whether your state gives a trade-in tax credit (taxing only the difference between the new car and your trade), and the doc fee, which some states cap by law and others leave to the market.

Pick your state below for the local rules, rates, and fee caps.

1 · The vehicle

2 · Tax & fees

3 · Trade & financing

Why the sticker is never the price

By state