Check a deal

Review the offer

Enter the dealer numbers and keep going.

Demo mode is prefilled. You can change every number.

Need full guidance?

Upgrade when the numbers need a closer review.

Premium adds Mia, document upload, saved tools, and guided support for one vehicle deal.

Free basic reviewUse the form below for a basic preview. No sign-in required.
Premium full guidance$299 one-time. Includes 12 months of access and support for one deal.Sign In

Public demo

Review the sample numbers first.

Create a free account when you are ready to calculate and save.

Create account to calculateSign in
20% completeVehicle Information
Step 1 of 5: Vehicle InformationAnswer only what you know. Use 0 for money fields when needed and leave optional fields blank.

Car basics

What car are you looking at?

Vehicle year: enter the model year shown in the listing, title, or buyer's order. Example: 2022.
Vehicle brand: choose or type the manufacturer name shown in the listing, like Toyota, Chevrolet, Honda, or Ford.
Model: choose or type the exact model shown in the listing or contract, like Camry, Camaro, Civic, or F-150.
Trim: enter the version or package if you have it, like SE, XLE, Sport, or Limited.
Mileage: enter the odometer reading or the closest number shown in the listing or buyer's order.

Used to understand depreciation and market value later.

Vehicle price: enter the selling price of the car before taxes, registration, and optional products. You can find it in the buyer's order or online listing.

Use the selling price before taxes, fees, and optional products.

Optional: make the value check smarterVIN, ZIP code, seller type, and car condition

Skip this if you do not have the details yet. Add them later when you want a stronger premium review.

VIN: 17-character vehicle identification number. You can find it on the listing, title, windshield, or buyer's order.

Best for market value checks. You can skip it for now.

ZIP code: enter the ZIP where the vehicle is being sold or where you are shopping. This helps compare local pricing and lenders.

Used to compare pricing in the local market.

Seller type: choose whether the car is from a brand dealership, independent dealer, or private seller.

This helps separate dealer offers from private seller scenarios.

Car condition: choose new, certified pre-owned, or used based on the listing or seller.

Choose the closest option. Certified pre-owned usually means inspected and backed by a program.

Dealer offer

What did the dealer offer?

Dealer payment: enter the monthly payment the dealer quoted you, even if you think it is too high. This helps compare their offer against the real cost.

Enter the payment they told you, even if it feels high or low.

Loan term: how many months you would make payments. Common examples are 48, 60, 72, or 84 months.

Example: 60, 72, or 84 months.

APR: annual percentage rate for the loan. Enter the percentage shown by the dealer or your estimate if you are testing a scenario.

Use the APR shown by the dealer.

Down payment: the amount you plan to pay upfront in this scenario. Enter the amount you want to test, not necessarily all the cash you have.

Start with the smallest reasonable amount. Keep extra cash as negotiation leverage until the price, APR, fees, and add-ons are clear.

Fees, taxes, trade-in, and payoffOpen this if the dealer paper shows these numbers
Dealer Fee: dealership paperwork or administrative charge. Enter the doc fee shown on the buyer's order or contract. It is not a government tax.

If unsure, enter the doc fee from the buyer's order.

Sales taxes: enter the tax amount shown in the buyer's order, worksheet, or estimate. Do not enter the tax rate, enter the dollar amount.

Use the tax amount shown on the dealer worksheet.

Registration and title fees: enter the government tag, plate, title, or registration charges shown on the contract.

Government registration, title, tag, or plate fees.

Trade-in value: enter the amount the dealer is giving you for your current car. You can find it in the buyer's order or appraisal line.

Leave blank if you are not trading a car.

Payoff amount: if you still owe money on your current car, enter the remaining balance the dealer or lender must pay off.

Only enter this if you still owe money on your current car.

Use this after you review the payment, APR, term, fees, taxes, trade-in, and payoff.

Only if they added products

Extras, warranties, and protections Optional products like warranties and protection plans are usually not required and can increase your loan cost.

Most dealer extras are optional. Add only the products included in the offer you want analyzed.

Extended warranty

Pays for some repairs after the factory warranty ends. Usually optional and should be priced separately.

GAP

May cover the loan balance if the car is totaled and insurance pays less than you owe. Review cost and cancellation terms.

Tire and wheel protection

Covers certain tire or wheel damage. Often optional, so compare the cost against normal tire replacement risk.

Maintenance plan

Prepays oil changes or scheduled service. Check what services are included and whether you can use any shop.

Paint/interior protection

Covers or applies appearance protection. Usually optional and commonly negotiable or removable.

Service contract

A repair contract sold separately from the loan. Confirm deductible, coverage, exclusions, and refund rules.

Other add-ons

Use this for accessories or protection packages not listed above. Ask if each item can be removed.

Use this after you confirm which optional products are really included in the offer.

Your budget

Your comfort zone

Only used to estimate if the deal feels too tight.

Planning onlyNo lender decisionYou can update this later
Monthly take-home income: enter what you usually receive after taxes each month. Use your real average, not the gross amount.

What you usually receive after taxes each month.

Rent or mortgage: enter your normal monthly housing payment before adding this car payment.

Your housing payment before adding this car payment.

Maximum monthly payment: enter the monthly payment that feels personally safe for you, even if a lender might approve more.

Your personal comfort limit, even if a lender might approve more.

Credit score range: choose the closest range you think fits you. An estimate is enough.

An estimate is enough. This helps judge APR risk, not approval.

Optional details for a stronger analysisOther bills, debt, cash, auto history, employment, and preferred term
Other monthly bills: enter recurring bills like utilities, groceries, insurance, phone, or subscriptions.

Utilities, phone, subscriptions, groceries, insurance, or other recurring bills.

Other debt payments: enter monthly payments for credit cards, student loans, personal loans, or another vehicle.

Credit cards, personal loans, student loans, or another car loan.

Available down payment budget: enter the amount you feel comfortable using for this plan. This is for your planning, not a number you must reveal early.

For your planning only. Dealers may use this number to structure the deal, so avoid revealing your full available cash too early.

Auto loan history: say yes if you have had a car loan before, even if it was years ago.

Used as a general risk signal only.

Employment length: enter how long you have been in your current job or income source. Example: 2 years.

How long you have been in your current job or income source.

Employment type: choose the option that best matches how you earn your income.

This helps explain how stable the monthly budget may be.

Preferred loan length: choose the loan range you would rather stay in if possible.

Shorter terms usually cost less interest, but monthly payments are higher.

Use this after you verify your income, housing, payment comfort, and credit range.

Optional

Notes

Notes: add anything important from the dealer, listing, or document that Mia should keep in mind.