Car Deal Analyzer | Excel Car Loan, Lease vs Buy & True Cost of Ownership Calculator

Stop guessing which car deal is best – see the true cost of every offer.

Enter each dealer's offer and this Excel analyzer works out the out-the-door price, monthly payment, interest, running costs and resale, then ranks the offers by true cost per year. Works for the USA, UK and Canada.

WHAT'S INCLUDED

• Settings: choose USA, UK or Canada – currency, sales tax / VAT / GST-HST, miles or km and mpg (US), mpg (UK) or L/100km fill in

• Compare Offers: 8 offers side by side with sticker price, discounts, dealer fees, add-ons, tax, registration and out-the-door price

• Trade-in, loan payoff and down payment

• Pay by Cash, Finance (APR and term) or Lease (residual and money factor) with monthly payment and total interest

• Fuel, insurance, maintenance and resale value for the true cost of ownership, cost per year and cost per mile or km

• Automatic ranking with the best deal highlighted

• Dealer Quotes log and a 30-step Negotiation Checklist

• Dashboard: best offer, monthly payment, true cost per year and saving vs the worst offer

BEST FOR

Anyone buying or leasing a new or used car who wants to negotiate with clear numbers.

HOW IT WORKS

1. Pick your country. 2. Enter each offer. 3. Take the winner back to the dealers.

FORMAT

Microsoft Excel (.xlsx), no macros, sample offers included. Instant digital download; no physical item.

IMPORTANT

Estimates only, not financial advice. Check final numbers with your dealer and lender.

FAQ

What exactly do I get?

Excel car deal calculator: compare 8 dealer offers, out-the-door price, finance or lease payment, fuel, insurance and true cost per year. USA, UK, Canada.

What do I need to use it?

Microsoft Excel on Windows or Mac (Excel 2016 or newer, or Microsoft 365). It also opens in free Google Sheets, though Excel is recommended.

How do I get it?

It is an instant digital download: right after payment you get the file on the page and by email. No physical item is shipped.

What if it is not right for me?

Contact me through my Payhip store within 30 days and I will refund you - no hard feelings.

I have a question

Use the contact link on my Payhip store page and I will help.