All three scenarios start with the same net worth (CarPrice + TotalLoanInterest + ExistingCarValue). Buy/Finance sell the existing car for cash by default; tick “Don't sell existing car” to keep it as a second vehicle (adds new-car insurance + registration as monthly costs). Keep holds onto the car and pays the monthly fuel cost difference. Whatever's left in the pool earns ROI.
| Mo | Buy Outright | Finance | Keep Existing | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Payment | Depreciation | Loan Int. | Savings Int. | Net Worth | Payment | Depreciation | Loan Int. | Savings Int. | Net Worth | Fuel | Depreciation | Loan Int. | Savings Int. | Net Worth | |