Tools
- New Car Delivery Checklist GeneratorPrintable new car delivery checklist: mark the standard PDI check items for exterior, interior, engine bay, lights, test drive and documents, sign, and print a Letter-size form.
- Car Budget by Total Annual Cost CalculatorReverse annual-cost calculator: enter the total you want to spend per year on a car to find the purchase price that fits, including depreciation, fuel, insurance and maintenance.
- Buy vs Lease Car CalculatorBuy vs lease comparison: see the total 3-year and 5-year cost of buying with a loan versus leasing, including excess mileage penalties.
- Car Affordability CheckForward affordability calculator: enter a car price, down payment, loan terms and income to see if the deal fits your budget and the 20/4/10 rule, and flag it if unaffordable.
- Total Cost of Ownership SheetPrintable one-page TCO worksheet: add purchase, loan, fuel, insurance, maintenance and resale to get a 5-year cost of owning a car, then print or save as PDF.
- Car Affordability Calculator by Monthly PaymentReverse car loan calculator: enter the monthly payment you can afford, your down payment, term and rate to see the maximum car price you can buy.
- Car Depreciation Curve CalculatorDepreciation curve simulator: see your car's value year by year for 5 years by body style, and find the best time to sell.
- Gas Price Increase Impact CalculatorGas price impact simulator: slide the change in gas price to see how much more or less you pay per year and over five years.
- Gas vs Electric vs Hybrid Total Cost of OwnershipCompare 5-year and 10-year total cost of ownership for gas, electric and hybrid vehicles, including a break-even crossover chart.
- Commute Fuel Cost CalculatorEnter your one-way distance, commute days, vehicle MPG and gas price to see annual, monthly and 5-year commute fuel cost, then print or save as PDF.
- Pay Cash vs Finance and Invest CalculatorLoan vs cash comparison: see whether financing the car and investing the cash beats paying cash outright, after loan interest and investment gains.
- RV Cost of Ownership CalculatorPrintable RV 5-year cost worksheet: loan payment, fuel, storage, insurance and maintenance on one editable sheet — print or save as PDF.
- Boat Maintenance Budget CalculatorAnnual boat budget worksheet: engine service by hours, bottom paint, storage, shrink-wrap and insurance — editable and printable.
- Trailer Legal & Registration SheetPrintable trailer reference: federal brake thresholds, 4-pin vs 7-pin wiring, and title/registration basics — plus the state rules that differ.
What you can do with VehCalc tools
VehCalc's tool suite goes beyond a single payment calculator. Each tool answers a specific money question about owning a car — how much you can afford, whether to buy or lease, what a vehicle really costs to run, and how fuel prices or depreciation change the math over five years. Every tool runs in your browser, requires no sign-up, and produces figures you can print or save as a PDF.
Pick the right tool for your goal
- Work out your budget: start with the Car Affordability Check or the Monthly-Payment Affordability Calculator to find the price you can realistically handle.
- Buy vs lease: compare the total three- and five-year cost of each route with the Buy vs Lease Calculator.
- Understand running costs: use the Gas vs EV vs Hybrid comparison and the Commute Fuel Cost Calculator to see what fuel or electricity really costs you.
- Plan for depreciation: the Depreciation Curve Calculator shows your car's value year by year.
- Print a worksheet: the TCO Sheet, RV cost sheet, and boat budget produce editable, printable one-pagers.
How these tools work
Each tool uses transparent, documented formulas rather than a black box. Efficiency figures come from official EPA data, and depreciation uses published segment-average retention curves that you can override with your own numbers. Nothing you type is sent to a server — all calculations run on your device, so your income, mileage, and vehicle details stay private. Results are planning estimates, not binding quotes; confirm final figures with a dealer, lender, or insurer.
Frequently asked questions
Are the tools free? Yes — every tool is free, with no account and no paywall.
Do you store my inputs? No. All calculations happen in your browser and your data never leaves your device.
Can I print the worksheets? Yes. The TCO, RV, boat, insurance, and legal-reference tools are designed to print cleanly on Letter-size paper.
Which tool should I start with? If you are still deciding what you can afford, start with the Affordability Check; if you have a car in mind, start with the Buy vs Lease or Total Cost of Ownership tools.