Calculator Disclaimer

Last updated June 26, 2026.

Car Finance Garage is a comparison tool, not a recommendation engine and not a substitute for a lender, accountant, tax advisor, attorney, or fiduciary.

What the model covers

The app compares simplified scenarios for dealer financing, borrowing against retirement savings, selling investments, and hybrid funding. It can estimate interest, capital gains tax, opportunity cost, and five-year ownership expenses from the numbers entered by the user.

What users should verify

Users should independently confirm interest rates, fees, tax basis, tax rates, retirement plan rules, early payoff terms, insurance costs, maintenance expectations, and applicable legal obligations before relying on any modeled result.

No guarantee

A lower modeled cost does not guarantee a better real-world outcome. Markets, taxes, lender terms, and personal circumstances can differ from the calculator's assumptions.

Use of external information

The site may link to public resources from agencies such as the IRS or Consumer Financial Protection Bureau for background reading. Those links are provided for context and do not make the calculator a substitute for advice from a qualified professional who knows your specific facts.