Decode the dealer 4-square

See where the money is hiding
before you sign.

Type in the dealer's four numbers. Get the real APR, true out-the-door price, every hidden fee, and exactly what to say back — in seconds.

No card needed Mobile-ready Built for the lot
Sample deal
2024 Toyota RAV4 XLE
42
WALK AWAY
OTD
$38,420
Real APR
11.4%
Term
84 mo
Interest
$8,910
CRITICAL84-month loan is dangerously long
WARNINGDoc fee $899 — way above norm
HEADS-UP$1,200 over MSRP in dealer add-ons
What you get

Everything the dealer hopes you don't bring.

Decode the 4-square

Type in the dealer's numbers — vehicle price, trade, down, monthly. We back-solve the real APR, true OTD, and total cost.

Red-flag scorecard

A live 0-100 deal health score. Each red flag tells you what it costs and why it matters.

Counter-scripts

Copy-paste exactly what to say back. No more freezing in the F&I office.

Round tracker

Save every counter-offer. Compare any two rounds side by side and watch the dollars move.

Money-flow map

See every dollar — from sticker to interest — laid out step by step.

Built for the lot

Mobile-first, dark by default, big tap targets. Use it while sitting across from the dealer.

How it works

Three steps. About thirty seconds.

01
Paste the dealer numbers

Vehicle, trade, down, monthly. Add APR, term, and tax if you have them.

02
Get the truth in seconds

Real APR back-solved. OTD recalculated. Every red flag scored and explained.

03
Say the right thing

Copy-paste a counter-script. Save the round. Bring back a better number.

Save thousands on your next car.

Get the math on your side before you walk into the showroom.