Cheat Sheet Calculator - Results

After the “Cheat Sheet” is calculated, a printable worksheet will display the dealer’s “Front-End” and “Back-End” profit. The results are calculated from the MSRP, Dealer Invoice and Net Dealer Cost.

 

 

It will calculate the "Front-End" Net Cost (the cost after subtracting the cash rebates and the market support).


 

 
The "Cheat Sheet" will also calculate: the Balance to Finance (this is the amount after adding tax then subtracting the down payment and trade-in).   It will also produce the Month Payments (based on this Balance to Finance).
 

It will also calculate the total of the “Front-End” and “Back-End” Dealer Profit.

 

For example, the following “Cheat Sheet” illustrates that if the dealer sells the car at invoice and finances the car at 8% they would make $941 in “Front-End” profit and $743 in financing “Back-End” profit, totaling $1685.  This can be helpful to verify the dealer's Pencil.

 
 

Next, it will produce the payments based on the “Low APR". (If available.)