True cost position
Add a finance offer
One row per quotation — enter the lender's own figuresFilters
Applied to every screen, the report and the CSVFinance offers
No finance offers yet. Add a quotation on the left, or load the sample offers from the Settings tab.
Headline figures
Total cost of ownership by offer
Deposit + every payment + balloon + any fee paid up front — shorter bar is cheaperWhat each offer really costs
Asset price, fees and interest — the three parts of total costHeadline rate against true rate
Effective annual rate including fees, lowest firstBalance outstanding — cheapest offer
Closing balance after each payment (each year-end on long schedules)Offers ranked by total cost of ownership
Deposit + all payments + balloon + any fee paid up front, cheapest firstAmortisation schedule — cheapest offer
The lowest total-cost offer in the current filter; grouped by agreement year when it runs past 36 paymentsSettings
Currency, dates and the rules this tool appliesReport header
Appears on the printed reportYour data
Stays on this computerRecords and settings are stored in this browser only. Use Export .json for a backup you can archive or move to another machine, and Import .json to restore it. Reset asks twice, then erases everything.