[chrisgoodrich]

This calculator is crap. Expect to shell over the full price of the car in cash or pay $1k per month.

Aside from gas, the remainder of the "savings" are BS attempts to get the "effective monthly payment" as low as possible.

[jamesaguilar]

I think it's fair to count the tax credits too, at least the state one. Although many people considering it are probably hitting the AMT . . .