The Nickel Stretcher

Your car costs more than the payment. Let's shrink the rest.

Plain-English guides, a true-cost calculator and a free inspection checklist for US drivers buying, financing, insuring and running a car. We're not a dealer or a lender, and we don't sell your details.

MONTHLY COST

Loan payment
$389
Insurance
$142
Gas
$160
Maintenance and repairs
$75
Registration
$12
True cost
$778

EXIT The payment is half

An example, not a quote. Run your own numbers.

Car cost guides

What to know, what to ask, the red flags, and where to check, for every big car cost.

Buying and selling

Paying and insuring

Running and maintaining

True cost calculator

Loan payment, total interest, insurance, gas, maintenance and registration, added up per month and per year.

Open the calculator

Free inspection checklist

A printable walkaround, test-drive and paperwork checklist to take when you look at a used car. No email needed.

Get the free PDF

Used-car buying checklist

18 steps from setting a budget to the paperwork after you buy. Track it with a free account.

See the checklist

Coming soon

The Used Car Buying Course

8 lessons that take you from "what can I afford?" to driving away with the right car at a fair price: budgeting, research, inspection, negotiating, financing and the paperwork.

$39 one-time, with a 30-day money-back guarantee.

See the lessons