New Car Buying Dashboard NEW CAR GUIDE

For financing a new vehicle purchase. Line up the loan against the vehicle's resale curve so you can see — before you sign — whether a longer term leaves you owing more than the car is worth.

MONTH 01 / 60

Vehicle

What are you shopping for? (optional)

Price / MSRP $0

Down payment

Trade-in value

Rebates / cash back

Sales tax rate

Doc / title / reg fees

Most states tax manufacturer rebates as if you paid full price (rebate comes off after tax), while dealer discounts reduce the taxable price directly. This assumes the common "taxed before rebate" rule — check your state if it matters for you.

Loan

APR 6.9%

Loan term 60 mo

Depreciation curve

Closest match

iSeeCars 2026 study — annual rate implied from published 3/5/7/10-yr cumulative depreciation.

Amount financed

$0

price − down − trade − rebate + tax + fees

Monthly payment

$0

over 60 months

Total interest paid

$0

life of loan

Lowest equity point

$0

at month 1

Months underwater

0

never underwater

Equity at payoff

$0

vehicle value minus balance

Equity timeline — loan balance vs. vehicle value

Monthly, over the life of the loan

Loan balance

Vehicle value

Equity (bars, right axis) — red = underwater

Never underwater over this term — equity stays positive throughout.

Payment & interest by term

Same price, same APR

Underwater risk by term

Lowest equity point (bars) & months underwater (line)

5-year depreciation reference — by vehicle type & researched models

Amber = generic vehicle type · Teal = specific researched model