Buy-side worksheet

Deal Sheet

Enter the dealer's numbers and yours side by side. Every total updates live — use the counter script at the bottom to push back with your own math, not theirs.

The car msrp / asking

MSRP

Dealer's advertised / asking price

Your target vehicle price

Discount vs MSRP —

Discount % off MSRP —

Loan terms financing

Down payment (%)

APR (%)

Loan term (months)

Sales tax (%)

Trade-in if applicable

Leave both at 0 if you have no trade-in.

Trade-in allowance offered

Payoff owed on trade-in loan

Trade equity (added to financed amount if negative)—

Your total based on target price

Vehicle price—

Sales tax—

Fees + add-ons—

Out-the-door total —

Down payment—

Amount financed —

Total interest—

Monthly payment—

F&I add-ons what they'll pitch

Every item here is optional. Toggle one on to see exactly what it adds to your out-the-door price and monthly payment — most are quoted at 2-4x fair market cost.

Add-ons total $0

Government fees, itemized non-negotiable vs negotiable

Doc fee stays with the dealer and is worth questioning. Title, registration, and filing fees are usually fixed by the state.

Doc / dealer service fee (negotiable)

Title fee (state-set)

Registration + decal (state-set)

Electronic filing / advertising fee (question this)

Dealer reserve check apr markup

Dealers can mark up the real lender rate 1-2.5% and keep the spread. If you're not on the true 0% promo, ask for the buy rate and compare it here.

APR they quoted you

Lender's actual buy rate (if known)

Reserve markup cost over full term —

Cash rebate vs. low APR can't always have both

Manufacturers usually make you pick one. Compare total 5-year cost of each path.

Cash rebate offered instead of low APR

Standard APR if you take the rebate

Path A — your APR above, full price—

Path B — rebate applied, standard APR—

Check their number reverse-calculate

Dealer quotes you a monthly payment instead of a price? Plug it in here — this backs out the vehicle price they're actually charging, so you can compare it to your target.

Their quoted monthly payment

Their stated APR (%)

Their stated term (months)

Down payment used ($)

Implied amount financed—

Implied vehicle price (before tax/fees)—

Gap vs your target price—

Counter script copy and use

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