Use this free cash back or low interest calculator to compare estimated total cost between a rebate-style offer and a lower APR offer over the same payoff term.
$32,000 over 60 months
Dealer incentives can have eligibility rules, model limits, fees, tax treatment, and offer dates that this calculator does not check.
Compare a dealer cash-back offer with a low APR offer.
See whether a bigger rebate beats a lower rate over your payoff term.
Estimate total cost instead of comparing monthly payment alone.
Check incentive math before reading the official offer terms.
Lower estimated total cost
Cash-back comparison
Rate-vs-rebate estimate
Plain-language answers about when to use the estimate, what your numbers mean, what is left out, and how privacy works.
Use it for early planning and side-by-side comparisons, especially for tasks like these: Compare a dealer cash-back offer with a low APR offer. See whether a bigger rebate beats a lower rate over your payoff term. Treat the answer as a planning estimate, not a final quote.
In plain language: The calculator estimates total paid for the cash-back APR, subtracts the cash-back value, then compares that net cost with the total paid under the low-interest APR. If the result seems too high or too low, first check whether each field expects a monthly amount, annual amount, dollar value, or percent.
This is a simplified comparison. It does not include taxes, dealer fees, model restrictions, offer expiration dates, credit approval, or rebate eligibility rules. Real finance decisions can also depend on fees, timing, local rules, credit details, and provider-specific terms.
No. The calculator runs in your browser tab. Recent answers stay only on the page while you use it, and they are not sent to a server.