What will this car actually cost to drive off the lot?
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.
Fill in the state and the agreed price at minimum. The result shows every line the engine adds between the sale price and the number on the contract — sales tax on the base the state actually taxes, title, registration, the documentation fee the state's rule allows, what is financed, and the monthly payment — with each estimated line marked as estimated.
Where a charge is value-, weight- or age-based, the figure above is a representative one for the state. The report and the calculator compute your vehicle's from the same table, so the number you see on your own deal will differ. See the representative figures and the rule for every state.
It prices the paperwork, not the car. Whether the sale price is fair, which add-ons are worth removing, and what to counter with are the report's questions.
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.