Built from 25 years inside dealerships. Each tool answers one question in plain English, so you can check the dealer's numbers before you sign.
Tap the one that sounds like you.
"When should I go to the dealership?"
A day-by-day calendar for any month, built on month-end, quarter-end and holiday timing. Tap any day to see why it's a good or bad time to go.
Open the tool → ⚖️"Do I owe more than my car is worth?"
See your equity or negative equity, what rolling it into a new loan really costs, and your options. Includes links to get a real value for your car.
Open the tool →"What will I actually pay, all in?"
Add the price, dealer extras, fees and taxes to get the real number, and see exactly how much of it is extras, including what they cost once financed.
Open the tool → 🔍"What's hiding behind this monthly payment?"
Turn any payment into the real loan behind it. The Payment Packing Check shows if extras were slipped into your payment, and what to say if they were.
Open the tool →"Should I take the 0% or the rebate?"
Compare both offers side by side using your own loan rate, and find your break-even rate, the number that decides which one wins.
Open the tool → 📄"Is this lease payment fair?"
Lease math in plain English. See where your payment goes, translate the money factor to an interest rate, and check the dealer's quote for markups.
Open the tool →Have a question you want a tool for? Tell me what you need.
Price, trade-in, financing and the finance office, in the right order. Car Buying SECRETS: The Complete System includes the book, the audiobook, the 12-module masterclass and 12 deal tools you can download and use at the dealership.
Get the Complete System — $47 → 30-day "Use It First" money-back guaranteeAlready have a deal on the table? Get it reviewed with Deal Verification →
All tools are for education only and provide estimates, not financial advice. Rules on taxes, fees and incentives vary by state, lender and dealer.