Methodology
The calculator is designed to make user-entered assumptions easier to compare, not to predict exact outcomes.
What the calculator includes
Repair quote, expected additional repairs, remaining loan exposure, a current ownership reserve, replacement financing, taxes and fees, monthly ownership differences, current equity or negative equity, and a simple replacement depreciation reserve.
What it does not include
The tool does not inspect mechanical condition, determine safety, provide exact vehicle values, verify repair quality, estimate local labor rates, quote insurance, quote financing, calculate local taxes precisely, or guarantee resale outcomes.
Uncertainty
Results depend on user-entered information. Future repair needs, vehicle values, repair quality, insurance, financing, fuel costs, registration, taxes, fees, local market prices, and resale outcomes vary by person and location. Treat the output as an estimate to discuss with qualified professionals, not as a prediction.
Before acting
Get written repair estimates, ask what the repair does and does not fix, and compare realistic replacement costs before making a major repair, purchase, or safety decision.
Future integrations
Affiliate relationships, analytics, email capture, market-value APIs, and vendor matching may be added later. Any affiliate relationship should be clearly disclosed before launch.