The out-the-door price is the one number that tells you what a car really costs: the price you agreed on plus every tax and fee, minus your trade-in and any rebates. Type your numbers below and it is worked out with your state's sales tax and trade-in rules.
Your out-the-door price.
Type your own numbers and see the same car priced as cash, as a loan, and as a lease, with the taxes and state fees for Arizona. Nothing you type leaves this page.
Cash
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out the door
Sales tax
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Title, registration, and fees
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Trade-in
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Due at the dealership
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Finance
.../mo
Amount financed
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Total interest
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Payments plus cash down
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Lease
.../mo
Due at signing
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Total over the lease
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Value at lease end
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Lease or buy, over 36 months
You pay
You own at the end
Real cost
Lease
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Nothing; you hand it back
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Finance
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Equity of ...
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Cash
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A car worth about ...
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An estimate on the numbers you type, not an offer of credit or a quote from any dealership. Starting loan rates are the average new-car APR for each credit tier (used-car APR for a used car) from Experian's State of the Automotive Finance Market, second quarter 2026, VantageScore 4.0. The starting money factor, residual, and acquisition fee are starting figures only; the leasing company sets the real ones. Taxes and state fees are estimates for Arizona; the dealership's paperwork and your motor vehicle agency have the final numbers. What you own at the end assumes the car is worth the residual. Nothing you type is sent, saved, or used to check your credit.
What goes into an out-the-door price.
The selling price you agreed on, which can be above or below the sticker.
Sales tax, figured on the price after any trade-in credit your state allows.
Title and registration, plus any state fees, which in some states grow with the car's value.
The dealership's documentary fee, which each store sets, within a cap in some states.
Anything added, such as a service contract or accessories you chose.
Minus your trade-in equity and any rebates.
Out-the-door price vs MSRP.
The MSRP, or sticker price, is the manufacturer's suggested price for the car and its options. It does not include tax, title, registration, or the dealership's fee. The out-the-door price does. Two dealerships can agree to the same selling price and still land on different out-the-door prices because of their fees, which is why the out-the-door figure is the one to compare.
How your trade-in changes the tax.
Most states tax the price after your trade-in comes off, so a trade saves you the tax on its value as well as the value itself. A handful of states tax the full price no matter what you trade. The calculator applies your state's rule automatically.
It is the total you pay to drive the car away: the agreed selling price plus sales tax, title, registration, state fees, and the dealership's documentary fee, minus your trade-in equity and any rebates.
How do I calculate the out-the-door price?
Take the selling price, subtract any trade-in credit your state allows, and multiply by your sales tax rate to get the tax. Add the price, the tax, title and registration, and the dealership's fee, then subtract your trade-in equity and rebates. The calculator above does each step with your state's rules.
Does the out-the-door price include tax?
Yes. That is the point of it. It includes sales tax and every government and dealership fee, so it is the real cost of the car.
Is the out-the-door price the same as the price on the sticker?
No. The sticker, or MSRP, leaves out tax, title, registration, and the dealership's fee. The out-the-door price includes them, and it reflects whatever selling price you agreed on.
Can I work out an out-the-door price for a used car?
Yes. Type the used car's price. Sales tax and the trade-in credit work the same way in most states; title and registration on a used car can be lower than the estimate here, so change that line if you know yours.