Hello Product Hunt,I am the creator of RealCarPayment.com.I built this platform because I wanted to create a practical solution for car buyers who get blindsided by unexpected dealership adjustments. Most online auto loan calculators are overly simplistic; they only compute a flat interest rate on a vehicle's sticker price. They completely ignore the real-world financial friction that takes place inside a dealership finance office.In reality, your actual out-the-door monthly payment is shaped by localized state and county sales taxes, dealer documentation fees, title registration costs, manufacturer cash rebates, and backend add-ons. Furthermore, if you are trading in a vehicle with negative equity, dealerships roll that outstanding debt directly into the new loan balance, which dramatically changes your payment profile out of nowhere.RealCarPayment.com serves as an independent financial shield for consumers. The calculation engine models the exact line-item math used by automotive finance managers. This allows you to build a comprehensive, transparent breakdown of your entire transaction before you ever step onto the showroom floor.Key Features:Full Line-Item Customization: Easily factor in local taxes, precise dealer doc fees, DMV costs, and product warranties.Negative Equity Engine: Calculate complex upside-down trade-in payoffs rolled into a new vehicle balance.Rebate vs. Low APR Helper: Analyze manufacturer cash-back offers side-by-side against promotional interest rates to see the true lifetime cost.Printable Buyer Worksheet: Generate a clean, physical invoice sheet with zero visual clutter to hold up against the dealer's official quote sheet during negotiations.The utility is entirely free, runs natively in your mobile browser with zero credit checks, and requires absolutely no personal details, registration, or email sign-ups.I would love to hear your thoughts, feedback, or any specific edge-case scenarios you think I should add to the mathematical engine next. Thank you for checking it out.

Real Car Payment Calculator

Actual auto loan payments, not dealer math.

Actual auto loan payments, not dealer math.