Opens the Carvest comparison. Nothing is calculated on this page.
What you can work out
Keep vs Buy
Your current car against a specific replacement over 36 months.
Start the calculator →3-Year Ownership Cost
Payments, depreciation, insurance, energy, upkeep and ending equity.
Start the calculator →Trade Equity
What your car is worth against what you still owe, and how that carries forward.
Start the calculator →Negative Equity
How owing more than the car is worth changes the amount you finance next.
Start the calculator →Upgrade Cost
What the step up costs in total — not just the change in monthly payment.
Start the calculator →
One comparison, not five separate tools
Each of these questions is part of the same decision. Trade equity affects how much you finance; financing affects cash spent; depreciation affects what you own at the end. Carvest answers them together in a single comparison so the pieces reconcile rather than contradict each other.
How Carvest reaches a recommendation
- Financial Tradeoff — the 36-month cash you spend on each path, plus the equity you would hold at the end.
- Upgrade Score — how much of a real step up the replacement is: age and mileage, reliability, running costs and equipment.
- Your Fit — how well the replacement matches the priorities and buying mindset you choose.
- Carvest Recommendation — keep or buy, combining the three with your mindset.
What you'll need
- Your current car's year, make, model and approximate mileage (or VIN).
- Your loan payoff, monthly payment and payments remaining, if you still owe on it.
- The replacement you're considering and its approximate price.
- Your ZIP code, for fuel prices and taxes and fees.
Run it with your own numbers
The comparison takes a few minutes. You enter your current car, the one you're considering and your loan details; Carvest does the 36-month math.
Start the calculatorCarvest provides estimates and decision-support information. Actual vehicle values, financing, insurance, repair costs and ownership expenses can vary.