The calculator built by an F&I manager — the person who's seen exactly how these deals get structured. Know your numbers before you sign anything.
01 Vehicle & Location
$
02 Trade-In
$
What the dealer will give you
$
Remaining loan balance
03 Down Payment & Income
$
$
Before taxes — all sources
04 Credit Tier
05 Loan Term
Your Deal Analysis
Deal Health
ESTIMATED MONTHLY PAYMENT
Amount Financed
Sales Tax
Total Interest
over full loan term
PTI Ratio
Approval Odds
Overall Approval Likelihood
Expected APR Range
⚠ Subprime Buyer — Here's What That Means
Watch Out For
Your Leverage Points
01 Property Details
$
$
0% down
02 Your Finances
$
Before taxes — all sources
$
Car, student loans, credit cards (minimums)
03 Loan Details
$
Monthly estimate (~$1,200-2,400/yr typical)
$
Leave 0 if none
04 Credit Tier
Your Mortgage Analysis
Deal Health
ESTIMATED TOTAL MONTHLY PAYMENT
Principal + Interest
Property Tax
monthly escrow
Total Interest
over full loan term
PMI
Debt-to-Income Ratios
Front-End DTI
Housing costs vs income Lenders want under 28%
Back-End DTI
All debt vs income Lenders max out at 43%
Expected Rate Range
⚠ PMI Required — Down Payment Under 20%
⚠ Qualified vs Affordable — These Are Different Numbers
Watch Out For
Your Leverage Points
Heads up: RealDeal provides educational estimates. Actual approval, rate, and payment depend on your full credit profile, lender decisions, vehicle specifics, and other factors. Always review your contract line by line before signing anything.
🔍 Verify My Deal
Got exact numbers from a dealer? Enter them here.
We'll calculate your exact monthly payment, total cost, and flag anything that looks off — including whether your rate makes sense for your credit score.
01 Vehicle & Deal Figures
$
If you're reading from a standard dealer contract (RISC), Line 1 "cash price" already includes tax — enter that number and set tax rate to 0%. Only use the tax rate field if you're entering a pre-tax price.
%
$
02 Trade-In (if any)
$
What the dealer gives you for your trade
$
Remaining balance on your current loan
03 Taxes & Fees
%
Leave at 0% if tax is already included in the vehicle price above.
$
Dealer documentation fee
$
$
04 Aftermarket Products
Enter any products the dealer added — GAP, extended warranty, paint/fabric protection, etc. These get financed into your loan so they cost more than the sticker price.
$
$
$
$
05 Your Credit Score
We use this to check if the rate you were quoted makes sense for your profile.