~5% below MSRP · typical average discount — edit to match your offer
$
Suggested MSRP:~$32,000
$15%
~15% of price — edit to match your actual down payment
Used to estimate a realistic APR for your financing
%
Auto-set by credit tier — override if you know your rate
Default 72 mo · click to change
Your deal at a glance
Monthly payment
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Total interest
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Total cost
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Loan term
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📍 National estimate · Add ZIP for local pricing▶
Estimates based on market data. Not a guarantee. Always verify with your dealer's full itemized quote.
Analyzing your deal…
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LOOKS FAIR
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💬 What to say next
📍 Market Position
Regional estimate
💰 Financing Reality
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monthly payment
Total interest—
Amount financed—
APR · Credit tier—
🔔 Safety Record
✓ No open recalls
📆 True Cost
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/mo all-in (payment + fuel + insurance + maint.)
Annual fuel cost—
Depreciation est.—
Total over loan term—
⚠️ Long-term loan alert
🪤 The Term Trap — See What Dealers Hide
Dealers extend loan terms to lower monthly payments — hiding thousands in extra interest.
Total interest paid by term
📋 Full Out-the-Door Breakdown
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* Taxes and registration vary by state — estimate only.
N-Year Cost of Ownership
Monthly budget
Loan payment—
Monthly fuel—
Insurance (est.)~$142
Maintenance (est.)—
Total monthly all-in—
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Annual total cost
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Total over loan term
🔍 Fee & Add-On Review
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🗣️ Negotiation Script
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🚗 Vehicle Details
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⛽ Fuel Economy
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🔔 NHTSA Recalls (full detail)
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🚘 Considering a lease instead?
Lower monthly payment, nothing owned at the end, and mileage limits that add up fast.
Lease calculator coming soon — leave your email and we'll notify you.
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Common questions
Yes, completely. No signup, no credit card, no trial period. We built this because we got burned at dealerships and wanted a tool that actually worked for buyers. You pay nothing.
No. We don't sell leads. We don't take dealer money. We don't run dealer ads. The vehicle info you enter is used only to generate your report — it's not stored, shared, or sold. Ever.
Right now, we don't. We're proving the tool is useful before thinking about monetization. If we ever charge for anything, it'll be a buyer-side upgrade — never dealer-funded. No ads, no sponsored results, no lead fees. That's a promise.
Fuel economy and vehicle data: US Department of Energy (fueleconomy.gov). Recall and safety data: NHTSA (nhtsa.gov). Pricing estimates: industry averages and regional market signals — clearly labeled as estimates, not exact transaction data.
It's designed to help you spot bad deals fast using current finance math, public data, and the numbers the dealer gives you. It's not a legal or lending document, but it will quickly show you where an offer starts to go sideways.
Help us improve WheelTheDeal
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Thank you — genuinely.
This is exactly what helps us build something people actually need.