The user will enter the price of the car to be purchased, state sales tax, tag fees, down payment, trade-in allowance, lien on trade-in, financing terms at the local bank for a particular term (6% for 72 months for example).

The user will also enter available the finance incentive and manufacturers rebates available. The calculator will then indicate which monthly payment is most cost effective for the buyer - taking the cash and financing themselves or accepting the APR incentive financing.