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MY MANAGER

Theirs is in the Tower. Yours is right here.

The manager they hope you don't talk to.

Dealers use a four-square worksheet to make a car deal look simple while they hide profit in the margins. My Manager walks you through the same numbers they see — then shows you what's fair.

What you actually need to know

Dealers use four boxes to shuffle your attention. Here is the same deal, laid out the way you think about money.

1
What the car actually costs The real price after discounts, rebates, fees, and add-ons. Dealer calls this: Vehicle Price
2
What you're putting in Your down payment plus whatever equity you have in your trade-in. Dealer calls this: Trade & Down Payment
3
What the loan really costs APR, term length, and any markup the dealer hid in the rate. Dealer calls this: Loan Terms
4
What you pay every month Your monthly payment — and the total you'll pay over the life of the loan. Dealer calls this: Monthly Payment

Two minutes. No login. No spam.

Build your four-square

Start with the basics. This is Square 1 of the dealer's worksheet.

Rebates lower the price. Add-ons and fees raise it. Both affect the final monthly payment.

Stackable factory / loyalty / college / military rebates

Square 2: what you're bringing to the table. Trade equity + down payment reduce the amount financed.

Cash + Trade Equity: $ ⚠️ Negative Equity: $

Square 3: the loan. Small changes here add thousands to the total cost.

Here's your deal so far. Click below to open your Deal Summary, where you can lock the dealer's offer, compare scenarios, and generate a negotiation script.

Dealership
Vehicle Price
MSRP
Adjusted Price
Cash + Trade
Amount Financed
Monthly Payment
Total Cost

Your Deal Summary

Score: / 100 Rate spread: %

Vehicle

MSRP / Sticker
Negotiated price
Less rebates & discounts
Adjusted price
Plus fees & tax
Out-the-door price

Credits: your money in

Down payment
Trade-in value
Trade payoff (owed)
Net trade equity

Amount financed

Out-the-door price
Less total credits
Plus negative equity
Principal financed

Loan

APR
Term
Preapproved rate
Dealer buy rate
Rate spread
Total interest

Payment & total cost

Monthly payment
Principal financed
Total interest over loan
Total loan payments
Down payment (cash)
Total cash out of pocket
Total cash + trade-in

= cash out of pocket + trade-in value given up

⚠️ Negative equity rolled into the loan
Dealer Four-Square

1. Vehicle Pricing

Price: $
Edit
Stackable factory / loyalty / college / military rebates
Fees & Add-ons
Dealer Profit Estimate: $ (% of MSRP · )

2. Trade-In & Down Payment

Equity: $
Edit

3. Loan Terms

Terms:
Edit
Dealer markup over preapproval: %
⚠️ Early payoff costs extra for months

4. Payment Summary

Monthly: $
Financed: $
Interest: $
Deal Score

Drive-Off Price

Vehicle Price $
All Rebates -$
Net Vehicle $
Fees +$
Sales Tax +$
GAP Insurance +$
Warranty +$
Trade + Down -$
Check Amount $
Bi-weekly amount $
⏱️ Months saved ~ months
Interest saved $
26 half-payments/year = 13 full payments. Approximate savings shown.

Rebuild & Refinance Plan

If your credit improves, a refinance can turn this purchase into a stepping stone.

Payment now $
Payment after refi $
Monthly savings $
Total interest if kept $
Total interest with refi $
Interest saved $
After on-time payments, refinancing from % → % could save $ in remaining interest.
Refinance rate needs to be lower than your current rate to show savings. Aim for a credit-union rate after 6–12 on-time payments.
Risk Level: —
Estimated low-equity period: ~ months This is common with small down payments. On-time payments and a future refinance close the gap.

GAP Insurance Analysis

Down payment
Term risk
Months with low equity

Dealer Economics

Finance Reserve Profit: $
At buy rate (%), payment would be $
Your preapproved rate: %
Savings vs preapproval: $
Estimated dealer markup: $

Compare Loan Scenarios

Enter 3 different loan scenarios to see side-by-side comparisons.

Comparison Results

Metric
Monthly Payment
$
$
$
Total Interest
$
$
$
Total Cost
$
$
$

Negotiation Script

Copy these talking points into your phone's notes. Say them verbatim or adapt them to your style.

Everything looks reasonable. The script activates when there's something to push back on.

Amortization Schedule

Month-by-month breakdown of principal vs interest payments.

Month Payment Principal Interest Balance