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Out-the-Door Price Calculator

Turn the sticker price into the real amount you will pay: sales tax, dealer fees, title and registration included.

· How we calculate

Before rebates, tax and fees.
Most states tax only the difference. A few tax the full price.
State plus local rate.
Dealer documentation fee.
Warranty, protection packages… (taxable).
To see the amount left to finance.
Out-the-door price—
  • Sales tax—
  • Taxable amount—
  • Doc, title & registration—
  • Due after trade-in—
  • Amount to finance—
  • Above the vehicle price—

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Estimates for education only — not financial, tax or legal advice. Lenders may calculate taxes and fees differently by state or province. Always check your contract.

What "out-the-door" means

The out-the-door (OTD) price is the total you pay to drive the car off the lot: the agreed price, minus discounts, plus sales tax, the dealer's documentation fee, title and registration, and any add-ons. Asking for an itemized OTD quote is the easiest way to compare dealers.

Taxable amount = price − discounts + add-ons − trade-in (in most states) Out-the-door = price − discounts + add-ons + sales tax + doc fee + title & registration

Worked example

A $32,000 car with a $1,000 discount, a $5,000 trade-in and 7% sales tax: the tax is charged on $26,000, so it is $1,820. Add a $499 doc fee and $450 for title and registration and the out-the-door price is $33,769. After the trade-in, $28,769 is due; with $3,000 down you would finance $25,769.

Car sales tax and trade-ins

Most states tax only the difference between the price and your trade-in, which can save hundreds of dollars. A few states tax the full price — choose "No" in the trade-in tax credit field. Some states also tax manufacturer rebates. Check your state's rules or ask the dealer.

Next, see the monthly payment with the car payment calculator.

Frequently asked questions

How do I calculate the out-the-door price of a car?

Start with the agreed price, subtract discounts, add sales tax, the doc fee, title and registration and any add-ons.

Is sales tax charged before or after the trade-in?

In most states, after: you pay tax only on the price minus the trade-in value. A few states do not give this credit.

What is a doc fee?

A dealer fee for paperwork. Some states cap it, others do not, so it varies a lot between dealers.

Can I negotiate the out-the-door price?

Yes. Negotiating the total OTD price prevents fees being added back after you agree on the car price.

Are add-ons taxable?

Usually yes, if they are sold with the car. Leave them out if you do not want them.

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