§ Tool · tier 1 · independent
Trade-In Value Calculator.
Estimate your car's trade-in value and how it affects your new car loan
CalculatorFree, no signupOn-deviceupd May 2026
Inputs
Your numbers
Awaiting inputs
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Trading in your current car? See how the trade-in value affects your new loan, especially if you still owe money on it. Understand equity and avoid negative equity traps.
§ Worked examples
Real-world scenarios
Positive Equity Trade-In
Car worth $18,000, owe $5,000. Buying $35,000 new car.
Inputs
tradeIn:18,000owing:5,000newCar:35,000
Equity: $13,000. New loan: $22,000 instead of $35,000. Huge savings on interest!
Negative Equity Situation
Car worth $12,000, owe $16,000. Buying $30,000 new car.
Inputs
tradeIn:12,000owing:16,000newCar:30,000
Negative equity: $4,000. New loan: $34,000 for a $30,000 car. Consider waiting to pay down current loan.
§ FAQ
Questions Australians ask
§ GlossaryEquity The difference between your car's value and what you owe. Positive = asset, Negative = liability. Negative Equity When you owe more than the car is worth. Also called being 'underwater' or 'upside down'. Trade-In Allowance The amount the dealer credits toward your new car purchase for your trade-in.