Auto Total Loss Payout Calculator
Estimate an auto total-loss payout, loan payoff and remaining equity or deficiency.
Last updated: July 27, 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
What this calculator estimates
Estimate an auto total-loss payout, loan payoff and remaining equity or deficiency. It runs locally in the browser and is intended for planning and comparison.
How to use it
Enter the requested values, select Calculate, review the headline result and supporting figures, then change one input at a time to compare scenarios.
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.
Input checklist
The Auto Total Loss Payout Calculator uses the values shown in its form. Before calculating, check each input independently so an incorrect unit or time period does not carry through to the final result.
- Vehicle actual cash value ($): verify that this value uses the unit, period, and definition shown by the calculator.
- Sales tax and eligible fees (%): verify that this value uses the unit, period, and definition shown by the calculator.
- Collision or comprehensive deductible ($): verify that this value uses the unit, period, and definition shown by the calculator.
- Outstanding auto loan payoff ($): verify that this value uses the unit, period, and definition shown by the calculator.
- GAP coverage toward deficiency ($): verify that this value uses the unit, period, and definition shown by the calculator.
Practical interpretation
Use the Auto Total Loss Payout Calculator result as the answer to the specific inputs entered, not as a universal value. The calculation currently described on this page is: The estimated settlement is ACV plus eligible tax and fees minus the deductible, then the loan and GAP coverage are applied. Change one important input at a time when comparing scenarios so you can see which assumption actually drives the difference.
Checks before relying on the result
The result depends on the values and units entered. Recheck the inputs and compare the estimate with the real-world source or rule that applies to your situation. Recalculate when a key value changes, and keep the original inputs with the result if you need to reproduce or compare the calculation later.
Important limitations
Valuation disputes, taxes, salvage retention and GAP exclusions can change the result.
Frequently asked questions
Is this result exact?
No. It is an adjustable planning estimate based on the values entered and the method described above.
Can I enter Arabic or Persian digits?
Yes. Numeric fields normalize Arabic and Persian digits to English digits.
Does the calculator store my inputs?
No. The calculation runs locally in your browser and does not require an account.