True Cost · Vehicles · Free

See the true cost before you sign.

The payment is one number. This shows the rest: what each choice really takes each month, and where it could leave you years from now.

  1. 1Set up both choicesFill in Choice 1, then tap Choice 2. Loan or cash, buy or keep.
  2. 2Fast forwardSee what each one really costs over 3, 5 or 7 years.
  3. 3Rewind and change one thingCopy a choice, tweak the rate, price or loan length, and compare.

Your two choices. Tap one to switch.

Sample numbers are loaded. Replace them with yours.

The payment vs. what it really takes

Fast Forward

Real cost counts everything you put in (cash, plus any trade-in or car you already own) minus what you would walk away with if you sold it then and paid off the loan. It is a simulation from your numbers, not a prediction.

Seeds: give the difference a purpose

Founding Member

Get the full report on your own decision

$29 one time, covers your first year

  • A full written report on your decision, prepared from your numbers within 2 business days.
  • Every new DimeSeed calculator released during your year.
Become a Founding Member · $29

One-time payment, no subscription. All sales are final. After checkout, tap Copy my numbers and email them to us so we can build your report.