What does a $1,995 add-on cost once it rides on the loan?
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.
Enter the price of one line from the quote, the APR and the term. The result is what that line adds to the monthly payment, the interest it accrues over the loan, and what it costs by the last payment — the same three numbers the report shows beside every financed add-on.
It prices one line. Whether that line is negotiable, typical for its family, or worth anything at all is what the report's add-on review answers.
A 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.