Auto Total Loss Payout Calculator
Estimate an auto total-loss payout, loan payoff and remaining equity or deficiency.
Last updated: October 15, 2026
Estimated owner equity after payoff
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- Estimated insurer settlement: —
- Loan payoff plus deductible effect: —
- Remaining deficiency after GAP: —
On this page
Quick summary: Estimate an auto total-loss payout, loan payoff and remaining equity or deficiency.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate an auto total-loss payout, loan payoff and remaining equity or deficiency.
How to use it
Enter Vehicle actual cash value ($); Sales tax and eligible fees (%); Collision or comprehensive deductible ($); Outstanding auto loan payoff ($); GAP coverage toward deficiency ($). Select Calculate to update the results.
How the calculation works
The estimated settlement is ACV plus eligible tax and fees minus the deductible, then the loan and GAP coverage are applied.
Worked example: starting scenario
| Vehicle actual cash value ($) | 28000 |
|---|---|
| Sales tax and eligible fees (%) | 7 |
| Collision or comprehensive deductible ($) | 1000 |
| Outstanding auto loan payoff ($) | 31000 |
| GAP coverage toward deficiency ($) | 5000 |
| Estimated owner equity after payoff | Deficiency $0.00 |
|---|---|
| Estimated insurer settlement | $28,960.00 |
| Loan payoff plus deductible effect | $32,000.00 |
| Remaining deficiency after GAP | $0.00 |
Important limitations
Valuation disputes, taxes, salvage retention and GAP exclusions can change the result.