None of these pages does its own math. Each one sends your numbers to the same engine a Carlarity report runs on and shows you what came back — with every estimated line labelled as one.
Out-the-door price
Every line is computed by the same out-the-door engine as the report: the state tax table, the state's doc-fee rule, its title and registration formulas, and real loan amortization. This page does none of the math itself.
Open the out-the-door price calculatorFinanced cost of an add-on
The result is the same amortization the report uses for every financed line — the annuity payment on the amount, times the term, minus the amount — returned by the fee engine, never price × APR × years.
Open the financed cost of an add-on calculatorDoc fee check
The standing comes from the same doc-fee rule table the report evaluates a quote against — statute, cap and verification status per state. A state whose rule is not primary-sourced says so instead of guessing.
Open the doc fee check calculatorA calculator answers one line. The report answers the deal — price against the market, every fee and add-on classified, the loan, and what to say back.
We use our own analytics to improve Carlarity. With your permission we also let Google, Meta, TikTok and Reddit set cookies to measure whether our ads work. Decline and nothing is set — your reports work either way. Change your mind any time under Privacy choices.