{
  "id": "out-the-door-price",
  "version": "c728791b07f2",
  "status": "published",
  "name": "Out The Door Price Calculator",
  "question": "What will my out the door price be?",
  "summary": "Adds sales tax, dealer fees and title and registration fees to a car’s price for the out-the-door price, with the trade-in credit and what is left to pay.",
  "category": "finance",
  "subcategory": "loans",
  "url": "https://www.acalculator.org/finance/out-the-door-price-calculator",
  "markdown": "https://www.acalculator.org/finance/out-the-door-price-calculator.md",
  "kind": "function",
  "method": "Taxed price = price + dealer fees (if taxed) − trade-in (if your state gives a trade-in credit), at least 0; sales tax = taxed price × rate; out-the-door price = price + dealer fees + sales tax + government fees; left to pay = out-the-door − trade-in + loan owed on the trade-in.",
  "assumptions": [
    "Government fees (title, registration, plates) are not taxed.",
    "Rebates and incentives are taken off the price you type; states differ on whether a rebate is taxed.",
    "You type your own tax rate and fees; this page fetches no rates."
  ],
  "inputs": {
    "$schema": "https://json-schema.org/draft/2020-12/schema",
    "type": "object",
    "properties": {
      "price": {
        "title": "Car price",
        "description": "The agreed price of the car, after any discount.",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 1000000000
      },
      "dfee": {
        "title": "Dealer fees and add-ons",
        "description": "Documentation fee, dealer prep and add-ons you agree to (0 if none).",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 1000000000
      },
      "ftax": {
        "title": "Dealer fees are taxed",
        "description": "Whether your state charges sales tax on the dealer fees and add-ons.",
        "type": "boolean"
      },
      "tax": {
        "title": "Sales tax rate",
        "description": "Your state and local sales tax rate on vehicles, in percent.",
        "type": "number",
        "x-unit": "percent",
        "minimum": 0,
        "maximum": 25
      },
      "gfee": {
        "title": "Title, registration and other government fees",
        "description": "Fees the state or county charges, such as title, registration and plates (0 if none).",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 1000000000
      },
      "trade": {
        "title": "Trade-in value",
        "description": "What the dealer gives you for your old car (0 if none).",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 1000000000
      },
      "credit": {
        "title": "Trade-in lowers the taxed price",
        "description": "Whether your state takes the trade-in off the price before tax (most states do).",
        "type": "boolean"
      },
      "owed": {
        "title": "Loan owed on the trade-in",
        "description": "What you still owe on the old car, which the dealer pays off (0 if none).",
        "type": "number",
        "x-unit": "USD",
        "minimum": 0,
        "maximum": 1000000000
      }
    }
  },
  "outputs": {
    "otd": {
      "label": "Out-the-door price",
      "description": "Car price + dealer fees + sales tax + government fees.",
      "format": "money"
    },
    "tax": {
      "label": "Sales tax",
      "description": "Taxed price × sales tax rate.",
      "format": "money"
    },
    "taxable": {
      "label": "Taxed price",
      "description": "Price + taxed dealer fees − trade-in credit, never below 0.",
      "format": "money"
    },
    "due": {
      "label": "Left to pay after trade-in",
      "description": "Out-the-door price − trade-in value + loan owed on the trade-in: the cash or loan you need. Below 0, the dealer owes you the difference.",
      "format": "money"
    }
  },
  "defaultAnswer": {
    "inputs": {
      "price": 35000,
      "dfee": 500,
      "ftax": true,
      "tax": 6.25,
      "gfee": 300,
      "trade": 0,
      "credit": true,
      "owed": 0
    },
    "outputs": {
      "otd": 38018.75,
      "tax": 2218.75,
      "taxable": 35500,
      "due": 38018.75
    },
    "text": "Out-the-door price: $38,018.75, with $2,218.75 of sales tax. Left to pay after trade-in: $38,018.75."
  },
  "examples": [
    {
      "given": {
        "price": 20000,
        "trade": 5000,
        "tax": 6.25,
        "ftax": true,
        "credit": true
      },
      "expect": {
        "taxable": 15000,
        "tax": 937.5,
        "otd": 20937.5,
        "due": 15937.5
      },
      "source": "Texas Comptroller, Motor Vehicle – Sales and Use Tax (6.25 percent of sales price, minus any trade-in allowance; $20,000 less a $5,000 trade-in is taxed on $15,000: $937.50). https://comptroller.texas.gov/taxes/motor-vehicle/sales-use.php; hand calculation in content.mdx: 20,000 + 937.50 = 20,937.50, less the 5,000 trade-in = 15,937.50"
    },
    {
      "given": {
        "price": 35000,
        "dfee": 150,
        "gfee": 400,
        "tax": 7,
        "ftax": true,
        "credit": true
      },
      "expect": {
        "taxable": 35150,
        "tax": 2460.5,
        "otd": 38010.5,
        "due": 38010.5
      },
      "source": "Hand calculation in content.mdx: (35,000 + 150) × 7% = 2,460.50; 35,000 + 150 + 2,460.50 + 400 = 38,010.50 (FTC: the out-the-door price includes taxes and fees)"
    },
    {
      "given": {
        "price": 20000,
        "trade": 5000,
        "owed": 2000,
        "tax": 6.25,
        "dfee": 200,
        "ftax": false,
        "credit": false
      },
      "expect": {
        "taxable": 20000,
        "tax": 1250,
        "otd": 21450,
        "due": 18450
      },
      "source": "Hand calculation in content.mdx: no trade-in credit and untaxed fees: 20,000 × 6.25% = 1,250; 20,000 + 200 + 1,250 = 21,450; − 5,000 + 2,000 = 18,450"
    },
    {
      "given": {
        "price": 10000,
        "trade": 15000,
        "tax": 6.25,
        "ftax": true,
        "credit": true
      },
      "expect": {
        "taxable": 0,
        "tax": 0,
        "otd": 10000,
        "due": -5000
      },
      "source": "Hand calculation in content.mdx: a trade-in above the price leaves a taxed price of 0 (never below 0); 10,000 − 15,000 = −5,000 left to pay"
    }
  ],
  "sources": [
    "Federal Trade Commission, Automobile Industry Pricing Transparency: FAQs (an advertised price must include every dealer-required fee; dealers may exclude government-required charges such as taxes). https://www.ftc.gov/business-guidance/resources/automobile-industry-pricing-transparency-faqs (retrieved 2026-10-05)",
    "Texas Comptroller of Public Accounts, Motor Vehicle – Sales and Use Tax (6.25 percent of sales price, minus any trade-in allowance; $20,000 less a $5,000 trade-in: $937.50). https://comptroller.texas.gov/taxes/motor-vehicle/sales-use.php (retrieved 2026-10-05)"
  ],
  "related": [
    "car-sales-tax",
    "auto-loan",
    "car-affordability",
    "auto-lease"
  ],
  "changelog": []
}