The smart car buying calculator for high-income professionals buying luxury vehicles
You're about to spend $50,000+ on a car. You've worked hard for your money. But most people only look at the monthly payment.
2-3% higher APR costs $3,000-6,000 extra
Ignoring $15,000+ in insurance, maintenance, depreciation
Losing $30,000+ in potential investment gains
Voiding $2,500+ in warranty value
Total cost of these mistakes: $60,000-80,000
Enter your details below to see your real costs and potential savings
See how much you save by negotiating a better APR
Uses values from Financing Calculator
Luxury cars depreciate fast. Find the sweet spot where you get the best value.
For luxury cars, buying 2-3 years old with 20,000-36,000 miles offers the best value. You avoid the steepest depreciation while still getting a nearly-new car with remaining warranty.
Savings: $5,200 over 72 months
By using data-driven analysis, Matt had the confidence to push back on the dealer's first offer and negotiate a rate that saved over $5,000.
Savings: $8,000 over 5 years
The analysis showed that buying made more sense for keeping the car 5+ years and wanting to modify it. Leasing would have cost $8,000 more.
Savings: $2,500 in warranty value
Decided to wait until factory warranty expires before doing Stage 1 tune. This preserved warranty value while still getting the performance gains.
Hi, I'm Matt. I'm a CRNA who loves cars, finance, and optimization.
When I bought my BMW X4 M40i, I spent weeks building analysis frameworks to make sure I was making the right decision. I negotiated hard, ran the numbers, and saved over $5,000.
My friends and colleagues kept asking me how I did it. So I built this calculator to help other high-income professionals make smarter car-buying decisions.
The complete platform for managing, tracking, and optimizing your car collection
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Real-time market value updates
Track every upgrade and its impact
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Never miss a service interval
True cost of ownership insights
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Use the calculator above to analyze your purchase, or download the complete Excel workbook for offline use.
Yes! The web calculator is completely free to use. We also offer a downloadable Excel version with additional features.
The calculations are based on standard financial formulas and real-world data. Results are estimates - actual costs may vary based on your specific situation.
Absolutely! While the examples use BMW, the calculators work for any vehicle make or model.
Dream Garage is our upcoming platform for managing your entire car collection - tracking value, maintenance, modifications, and more. Join the waitlist above!
Never. Your calculations are private and not stored. Waitlist emails are only used to notify you about Dream Garage launch.
Currently, calculations aren't saved. This feature will be available in Dream Garage where you can save unlimited vehicle profiles.