Drag the sliders. Watch the math.
Financing decisions get signed once and lived with for sixty months. Deal Simulator lets you test the offer in front of you — price, APR, monthly payment, total interest — before the pen reaches the paper. It is the only place on the open web where you can drag the sliders and see the numbers move in real time.
Deal Simulator
Drag to test any deal scenario.
Monthly payment
$630/mo
Total interest
$5,132
60-month term · $0 down · illustrative
Included with every Carlarity report.
See what each move costs before you sign.
Most car-buying mistakes are not made on the lot. They are made on the financing line, in the moment a buyer rounds a $34,000 vehicle and a 7.5% rate into “about five hundred a month” and signs. The arithmetic is finite — sixty payments, one fixed schedule — but the difference between a fair structure and a costly one usually hides inside a hundred-dollar gap on the monthly and four thousand dollars of interest stretched across five years.
Deal Simulator exists so you do not sign that gap unaware. Drag the price slider down by $2,000 and watch the monthly payment recalculate. Drag the APR from 7.5% to 5.9% and watch the total interest drop. The point is not to discover a “better deal” abstractly. The point is to know, before you walk into the dealership or accept the lender’s first rate sheet, exactly how sensitive your monthly payment and lifetime interest are to the two numbers you are actually being asked to negotiate.
Two sliders. One amortization. Zero pretense.
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How the sliders work
The card above renders two interactive controls. Price ranges from $30,000 to $38,000 in $500 steps. APR ranges from 3.0% to 9.0% in 0.1% increments. Both are draggable. The first time the card enters the viewport, the sliders animate through a short demonstration sequence — from $35,500 at 7.5% to $32,653 at 5.9% — so you can see the math respond before you touch anything. The moment you drag, the demonstration cancels and the controls hand over to you.
- 02
What the math is doing
The output panel computes a fixed-rate amortization on a 60-month term with $0 down. Monthly payment is the standard amortization formula — principal, rate divided by twelve, sixty periods. Total interest is the sum of every interest portion across all sixty payments. There is no fee modeling, no tax modeling, no trade-in equity in this view. It is the cleanest possible read of how price and rate alone shape the payment and the lifetime cost of money.
- 03
Why it lives inside your Carlarity report
A generic loan calculator answers a generic question. Deal Simulator inside your report answers a specific one. Inside the live product, the simulator is pre-loaded with the price your Target Deal solved for and the APR the dossier flagged as a credible anchor for your credit tier. You are not testing hypothetical numbers — you are stress-testing the exact terms the report has already evaluated against KBB, market comps, and your sovereign Carlarity estimate range. On this marketing page, the card runs against an illustrative range so you can feel how it behaves; in your report, it runs against your vehicle, your financing posture, and your verdict.
Three moments where dragging the sliders earns its keep.
Use case 1 — Testing the dealer’s first offer against your Target Deal.
Your report says the fair structure is $32,650 at 5.9% APR. The finance manager slides a worksheet across the desk that reads $35,500 at 7.5%. Drag the simulator to the dealer’s numbers, then drag it to your Target Deal numbers, and you see the gap in dollars per month and dollars in lifetime interest. The conversation stops being about whether the offer is “good” and becomes about a specific, defensible delta you can point to.
Use case 2 — Pricing the cost of one APR point.
Buyers consistently underestimate how much a single percentage point of APR adds across sixty months. Hold the price constant, drag the APR from 5.9% to 6.9%, and read the change. On a $32,000 loan that single point is worth roughly $900 of additional interest. If your credit union has pre-approved you at 5.4% and the dealer’s captive lender quotes 6.4%, the simulator gives you a defensible reason to insist on outside financing — measured, not asserted.
Use case 3 — Finding your walk-away threshold.
There is a price-and-rate combination above which the deal is no longer worth doing. Drag the sliders until the monthly payment crosses the line you have set with yourself or your household. That intersection is your walk-away. Carrying it into the showroom as a number you have already seen on screen — rather than computed at the dealer’s desk under time pressure — is the entire point of using the simulator before the appointment, not during it.
About Deal Simulator specifically.
Inside your Carlarity report, the simulator state persists with the report and is part of the dossier you can reopen, share, or export. On this public page, the card is a live demonstration — refreshing the page resets it.
Inside “the deal.”
Deal Simulator sits in the section of your Carlarity report currently titled “the deal,” alongside your Target Deal numbers and the pricing evidence behind them. The sliders open pre-loaded with your vehicle’s solved price and your credible APR anchor — so the first scenario you see is the one your report has already evaluated.
See it in a sample reportPairs with Target Deal Package — the simulator validates the Target Deal numbers, so you can prove the target before you walk in.
Test the deal before you sign it.
Included with every Carlarity report