Savings Estimator
Enter your deal details to compare an illustrative cost-exposure scenario with our flat advisory fee. This is not a dealer-profit estimate or a savings guarantee.
Potential transaction-cost difference $5,360; $4,360 above the $1,000 fee.
Illustrative Scenario: the inputs shown are hypothetical example values. Replace them with figures from your own quote or worksheet.
This tool illustrates how changes in price, financing, fees, and optional products can affect transaction cost. Results are based on the inputs and assumptions shown and are not a prediction or guarantee of savings.
The APR-markup figure is the difference in total payments between the base APR and the base APR plus the markup, using standard monthly amortization. Percentage assumptions are applied to the amount financed exactly as entered, with no floors or caps. The dealer fee / add-on figure is the dollar amount you enter. These are illustrative inputs, not observed dealer charges, booked dealer profit, or market benchmarks. Full Purchase Concierge covers vehicle price, dealer fees and add-ons, the financing rate, and F&I products, so all four components are shown. The post-purchase F&I Audit is not modeled: it reviews a contract that has already been signed and does not negotiate price, rate, or fees.
Disclaimer: These figures are for illustrative purposes only and do not guarantee specific savings on any individual transaction. Outputs are scenarios, not quotes, appraisals, predictions of dealer profit, or guarantees that Negotiated will achieve the modeled difference. Actual rates, products, pricing, taxes, fees, and outcomes vary by lender, dealer, vehicle, credit profile, and jurisdiction. Negotiated LLC is not a lender, dealer, or financial advisor. Review the CFPB auto-loan guide and FTC financing and leasing guidance for independent consumer information.
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Schedule a ConsultationHow the estimate works
The finance scenario compares total amortized loan payments at a base APR with total payments after an assumed APR markup. The vehicle-price, F&I-product, and dealer fee / add-on figures are the assumptions shown in the tool, applied exactly as entered, and only the components within the selected service’s scope are included. They are not measurements of a specific dealer’s cost, revenue, or profit.
Lease results compare two selling prices you enter, a current or quoted price and a comparison price, using the standard depreciation-plus-rent-charge formula and the residual exactly as entered. Taxes, acquisition and disposition fees, incentives, rebates, trade equity, credit tier, and regional program rules may change an actual quote. Validate every input against a lender or dealer worksheet.
Reading your result
Treat the output as a sensitivity analysis: it shows how the entered assumptions affect total payments and a hypothetical cost difference after the advisory fee. It does not predict a dealer’s profit or promise a result. Compare it with written offers and review independent guidance from the Consumer Financial Protection Bureau and Federal Trade Commission.