Finance vs. Cash — which saves you more?

🚗

Vehicle Details

$
%
$
💵

Cash Option

$
Some dealers offer a discount for paying cash upfront instead of financing. Check the box above if the discount applies to both.
🏦

Financing Details

$
months
%
$
📈

Investment Details

%
%
In the finance scenario, your cash is invested and withdrawals are made monthly to cover loan payments.
🏆

Financing Wins!

You save $0 by financing and investing the difference.

💵 Pay Cash

$0
Total Out-of-Pocket
Vehicle Price $0
Cash Discount −$0
Sales Tax $0
Dealer / Title Fees $0
Total Cost $0

🏦 Finance & Invest

$0
Effective Cost
Down Payment (out-of-pocket) $0
Amount Financed (loan principal) $0
 ↳ Sales Tax (in loan) $0
 ↳ Dealer / Title Fees (in loan) $0
 ↳ Loan Fees (in loan) $0
Monthly Payment $0
Total Loan Payments $0
Total Interest Paid $0
Investment Gains (after tax) $0
Investment Gains Tax Owed $0
Remaining Investment Balance $0
Out-of-Pocket (after investment depleted) $0
Effective Cost $0

📊 Investment Balance Over Time

Investment Balance (Finance Scenario)
Remaining Loan Balance

📋 Month-by-Month Breakdown

Month Loan Payment Principal Interest Loan Balance Invest. Balance Invest. Growth Withdrawal