The dealer has a calculator. Now you do too.
Just the numbers. No sales pitch. Plug in the dealer's numbers and it shows the real cost, flags markups, and writes your talking points.
- Deal name: name your deal (optional), e.g. the car and dealer.
- Vehicle & price: the car plus the dealer's asking price, fees, add-ons and tax.
- Trade-in & Financing: their trade offer, then your credit score or tier, down payment, term, APR and quoted payment.
- Comps: add prices of similar cars you find (use the local comps links below).
- Recalls: enter the VIN or year/make/model.
Free. Everything stays on your device.
More
Results and your negotiation summary update as you type. Comps and recall links show current listings, price guides and model-year recalls, not exact sold prices or this car's repair history. APR ranges are rough references; get a real pre-approval before you go.
Deal name
Vehicle & price
Kentucky default is 6%. Check your state's rules on fee taxation and trade-in credit.
Trade-in
Financing
Comparable sold / listed prices
| Price $ | Miles | Source | Notes |
|---|
Enter real cars you found (same year/model/trim, similar miles). Sold prices beat listing prices.
Find comps & values
These open searches on each site. Results there are theirs; enter what you find in the comps table.
Results
Market check
Negotiation summary
Typical APR by credit tier
| Tier | Min score | Low % | High % |
|---|
Check local comps (within 50 miles)
These show current listings and price guides, not exact sold prices. Use them to fill in the comps table above. Carvana ships nationwide and ignores ZIP/radius; KBB and Edmunds pages give value ranges (enter your ZIP there).
Recalls & complaints
Data from NHTSA (U.S. government). Recalls listed are for the year/make/model, not proof this exact car is unrepaired. Check the VIN at nhtsa.gov/recalls or ask the dealer for repair records.
Get pre-approved before you go
A loan pre-approval from a bank or credit union tells you your real rate before the dealer runs your credit. It gives you leverage because:
- You know your true APR, so a marked-up dealer rate is easy to spot.
- You can negotiate the out-the-door price as a cash buyer instead of haggling over a monthly payment.
- The dealer has to beat your rate to win the financing, not just match a payment.
Find a credit union for pre-approval
Disclosure: Lot Smarter may earn a referral fee from some links. It never changes the numbers this app shows you.
Privacy
Everything you enter stays on this device. Nothing is sent to a server, and there are no accounts or tracking. Use "Clear all inputs" to erase it.
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