See how a car payment is actually built.
Plan your vehicle purchase at home by adjusting price, trade-in, rate, and term yourself. iCarBuyer shows how each decision changes your monthly payment and total cost before you visit a dealership.
Sharing your iCarDeal is optional.
Start with understanding.
Work through your options first so you know what fits your budget. You control if and when you share your iCarDeal with a dealer advisor.
See what creates the payment
Vehicle price is only part of the payment. Adjust trade balance, interest rate, term, and taxes yourself and instantly see how your payment changes.
Work through it at your own pace
Start with estimates, leave, and come back anytime. Your numbers stay saved while you work through your decision.
Compare finance, lease, and cash
Switch between lease, finance, and cash to clearly see how ownership cost and monthly payment differ.
Share when you want help confirming details
If you want help confirming numbers or availability, you can share your iCarDeal with a dealer advisor without restarting forms or repeating your information.
Trusted by car buyers nationwide
Join thousands of satisfied customers who found their perfect car with us.
Alice Johnson
I thought I needed a cheaper car. Turns out I just needed to understand my loan balance. No one had ever broken it down like that before.
David Lee
I was nervous to go to a dealership because I didn’t even know what questions to ask. This let me figure it out privately first.
Mark Thompson
I’ve leased three vehicles and honestly never understood what determined my payment until I used this.
Emily Carter
I always blamed interest rates. After this I realized my term length and negative equity were what was driving the payment.
Sophia Turner
Being able to compare finance and lease side-by-side finally made sense. We actually changed our decision because of it.
James Wilson
The best part was I didn’t have to talk to anyone while figuring it out. When I finally did, I knew exactly what I was asking for.
Start Building Your Deal
Build your payment, understand your costs, and decide your next step with confidence.
Your iCarDeal is private. You choose if you share it.
Common Questions
Clear answers before you decide whether to use the worksheet.