Calculators
Calculators and Tools
Free calculators for vehicle registration fees, late penalties, EV surcharges, and out-of-state purchases. Built on official 2026 state DMV data.
All calculators
Compare 2 statesSide-by-side total registration cost for any 2 states.
Late penalty calculatorWhat you'll pay if you missed the deadline — penalty by state.
5-year cost of ownershipTotal registration + EV fees combined over 5 years.
Out-of-state purchase calculatorTotal tax + title + reg buying out-of-state.
EV surcharge trackerAll 42 states + DC with EV registration fees, ranked.
MA excise tax calculatorMassachusetts annual excise tax + 5-year projection.
CA registration fee calculatorCalifornia base + VLF + CHP + TIF + county fees.
NY registration fee calculatorWeight-based + MCTD supplement for NYC metro.
Vehicle property tax by stateAnnual VLF/excise/PPT estimate for any US state.
Used car sales tax calculatorSales/use tax on a private-party purchase by state.
Auto loan calculatorMonthly payment, total interest, side-by-side term comparison.
Auto loan refinance calculatorCurrent vs new loan, break-even period, savings analysis.
How much car insurance do I needCoverage recommendation based on net worth + vehicle value + state.
Trade-in & negative equityRoll old loan into new — payment, total cost, tax credit by state.
TX registration fee calculatorTexas DMV: base $50.75 + county fees + EV surcharge + new-resident impact.
FL registration fee calculatorFlorida DHSMV: weight tiers + $225 initial registration + EV/PHEV surcharge.
How much car can I afford?10/4/20 rule — three price ceilings with monthly payment math.
Lease buyout calculatorResidual + fee + tax vs market value — equity check + finance scenarios.
Total loss / ACV calculatorWhat insurance should pay on a totaled car — base + mileage + condition + region.
EV vs gas — 5-year costReal comparison: purchase + fuel + EV surcharge + tax credits + maintenance.
Section 179 vehicle deductionYear-1 business deduction by GVWR class + bonus depreciation (2026 limits).
Lease vs buy calculator3-year net cost comparison with sales tax structure and residual equity.
Dealer doc fee calculatorAll 50 states — typical fee, legal cap, negotiation scripts that work.