Calculators
Four tools for a California purchase, each one showing its arithmetic and naming the statute behind every figure it uses.
The tools
California out-the-door price calculator
Sales tax on the correct measure, every DMV charge itemised with the statute behind it, and the dealer charges kept separate because they are negotiable in different ways.
Open the calculatorMoney factor to APR converter
A money factor is a monthly rate written as a decimal. Multiply it by 2400 to read it as an annual percentage rate.
Open the calculatorEquity and amortization
A financed vehicle is worth less than it is owed on for a period. How long depends on four things you set at signing.
Open the calculatorLease versus buy
Two structures, side by side, with what each one leaves you holding at the end of the same number of months.
Open the calculator
How these are built
- Every figure names its authority
- Every statutory figure carries the statute or the published schedule that sets it, printed beside the amount rather than kept in a source note. A figure built to be quoted has to carry its basis, because stripping context is what retrieval does.
- Unknown is never zero
- A charge with no published rule is not given a placeholder amount. It is listed as not estimated, above the breakdown, before you open anything. A complete-looking total that is not one is worse than an obviously incomplete one, and the care taken over the itemisation is what makes the wrong total convincing.
- A default is not an answer
- Any figure a calculator supplies rather than receives is marked as an example until you set it. A number nobody has confirmed should not look like a number somebody has.
- The rows add up to the total
- Money is carried to the cent and rounded once, at the end. That is why five new tires read $8.75 rather than $9, and why the rows add up to the total on screen as well as in the model.
- An edition, never a freshness claim
- The fee schedule carries an edition, not a review date. "California DMV fee schedule, 2026" says which table this is and visibly ages. A freshness claim decays into a false one. The schedule is reviewed each January, because the transportation improvement fee tiers move every January 1 by statute.
- An estimate is not a quote
- These are estimates, not quotes. Your contract is the only place these amounts are settled, and a licensed broker is who you talk to before you sign one.
- Our fee is not in these figures
- CarOracle’s service fee is separate from the charges these calculators estimate and is not included in any figure they produce. See what we charge for the service.
Each calculator states what its own figures rest on. Only the out-the-door estimator transcribes a published schedule; the other three are arithmetic over figures you enter.
Reviewed by Andrea Nanigian, California licensed auto broker.
Bring us the vehicle you are considering
A calculator tells you what the charges are. We tell you what the market is doing on that vehicle in California this month, and what the structure should look like before you sign anything.
Complimentary · 15 minutes