True Cost · Vehicles · Free

See the true cost before you sign.

Most car calculators stop at the monthly payment. This one shows the rest: what each choice really takes each month, where it leaves you years from now, and what the difference could build instead.

  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.

DimeSeed provides educational financial modeling. Results are estimates based on your inputs and the stated assumptions, not guaranteed outcomes or personalized financial advice.

Seeds: give the difference a purpose

Founding Member

Get the full report on your own decision

$29 one time · no subscription

  • A written report on one vehicle decision, built from your numbers and emailed within 2 business days.
  • One updated report if your numbers change within 30 days.
  • Every new DimeSeed calculator released in the 12 months after you buy.
Become a Founding Member · $29

For US customers 18 and older. All sales are final. By checking out, you agree to the Terms. After checkout, tap Copy my numbers and email them to us from the address you used to pay.