How car pricing actually works
Try it: price calculator
ProMSRP$35,000
Invoice price (% below MSRP)6%
Your negotiated discount4%
Tax & fees9%
Your APR6.5%
Starting from your pre-approved rate — drag to compare a dealer's offer.
How long will you finance?
How long you finance affects your true total cost — not just your monthly payment. Select your term to see the real number.
MSRP$35,000
Invoice$32,900
Your negotiated price$33,600
Out-the-door price
$36,624
Total interest paid
60 months at 6.5% APR
$6,371
True total cost of ownership
$717 / month
$42,995
Saved vs MSRP on the car: $1,400
You're still above invoice. Push for $200–$500 below invoice, or ask what factory incentives apply this month.