Calculated estimate
Enter assumptions and select Calculate.
Reverse-payment method
The fixed-payment loan formula is solved backward for maximum principal. Vehicle price = (principal − fees + down payment + net trade equity) ÷ (1 + sales-tax rate). Net trade equity may be negative.
Full-price tax assumption
The model applies entered sales tax to the full vehicle price. Jurisdiction rules differ. This estimates a price under your assumptions—not what you should spend, lender approval, a dealer quote, or a recommended term.
Worked example
A 600 maximum monthly payment at 6% APR for 60 months is reverse-solved into maximum principal before down payment, trade equity, fees, and full-price tax are applied.
Calculation boundaries
Results use only your entered assumptions. No lender, credit, annuity-product, insurer, vehicle-price, dealer, property-value, rent-market, or geolocation API is contacted.