Out-the-Door Price Calculator (OTD)

The sticker price on a car is never what you actually pay — taxes, title, registration, and dealer fees add hundreds or thousands on top. Enter your vehicle selling price, state, and sales tax rate, then add your title fee, registration fee, and documentation fee into the Out-the-Door Price Calculator to see your true total cost. Optionally include a trade-in value and cash down payment to get your amount to finance, plus a full breakdown of sales tax and total fees.

The advertised price of the vehicle

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Local sales tax percentage

State title transfer fee

Annual registration and license fees

Dealer documentation processing fee

Value of your trade-in vehicle

Additional cash down payment

Results

Out-the-Door Price

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Sales Tax

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Total Fees

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Amount to Finance

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Frequently Asked Questions

What is included in the out-the-door price?

The out-the-door price includes the vehicle selling price, sales tax, title fee, registration fee, documentation fee, and any additional dealer charges. This is the total amount you'll pay to drive the car off the lot.

Why should I negotiate the OTD price instead of monthly payments?

Negotiating the OTD price gives you transparency on the total cost and prevents dealers from hiding fees in extended loan terms. It's easier to compare deals and ensures you're getting the best overall value.

Are documentation fees negotiable?

Documentation fees vary by state and dealer. While some dealers may be willing to reduce or waive doc fees, others have fixed fees. It's worth asking, especially on higher-priced vehicles.

How does my trade-in affect the out-the-door price?

Your trade-in value reduces the amount you need to pay out of pocket. However, you'll still pay sales tax on the full purchase price in most states, not the reduced amount after trade-in credit.

What additional costs should I budget for beyond the OTD price?

Beyond the OTD price, consider insurance costs, extended warranties, gap insurance, and any aftermarket accessories. These are typically optional but can add to your total investment.

Do sales tax rates vary within the same state?

Yes, sales tax rates often vary by county or city within a state. Check your local rate as it can significantly impact your OTD price, especially on expensive vehicles.