Dealer Reserve Calculator

Compare how much dealer reserve different lender calculation methods produce for the same deal.

Amount financed

Term

Buy rate (lender's rate)

Contract rate (customer's rate)

Days to first payment

Standard is 30 days. Extra days beyond that accrue additional per-diem interest, which increases the calculated reserve — and can trigger a lender review if pushed too far.

Primary method (highlighted below)

Apply a reserve cap Apply a minimum required spread

Results

Rate spread

0.00 pts

Finance charge — buy rate

Finance charge — contract rate

Code 75 reserve

Estimates only — for reference, not a substitute for a specific lender's actual reserve program terms. Real programs may round differently, use a different day-count convention, or use a method not listed here.