Car Decision Analyzer Ritual

True cost per month — depreciation or lease payments, interest, fuel, insurance, maintenance and expected repairs, spread over the years you will keep it — keep, buy new, buy used or lease, the same way.

$17one-time · VAT included · no subscription

Free files

In your download: 8 files

Excel workbook · Light · USD
START HERE guide (PDF)
Excel workbook · Dark Mode
Excel workbook · UK · GBP
Excel workbook · EUR
Excel workbook · AUD
Excel workbook · CAD
Excel workbook · INR

BLIKPrzelewy24VisaMastercardApple PayGoogle Pay

✓Download page opens right after payment + links by e-mail. No account.

Works inExcel Google Sheets

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing — every edition in one download

✓Free updates forever · 14-day refund

Part of the Complete Collection — 119 workbooks, every edition, future releases, $99.

The ritual page

What the file tells you

The payment is not the cost. This sheet prices keeping your old car, buying new, buying used and leasing the same way — depreciation, interest, fuel, insurance, repairs — over the years you will actually keep it, and tells you which is cheapest, which you can afford, and which number is a guess.

01 · verdictTrue cost — over the horizon, everything included, vs the cheapest option

02 · verdictCash — payment plus running costs per month against your cap, and what you put down

03 · verdictThe guess — repairs on the old car, resale value on a purchase, the mileage cap on a lease

Sheets in the workbook

✓Analyzer · pick an option: true cost per month, three verdicts, three checks

✓Options · keep, buy, lease — one line each

✓Settings · kilometres a year, fuel price, horizon, cash down, monthly cap

How it works

1Set your driving and your limits — km per year, fuel price, years you will keep it, cash you can put down, monthly cap

2Add every option as one line — keep the old one is always the first line

3Pick an option on Analyzer — true cost per month, CHEAPEST / CLOSE / EXPENSIVE, what to check

Who it is for

Anyone about to sign for a car who suspects the monthly payment is hiding something.

Dark edition included

Car Decision Analyzer Ritual — dark edition

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay and Google Pay. Prices in PLN, EUR or USD; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

Pairs well with

More Money files →

Car Decision Analyzer Ritual

What the file tells you

What buyers say

Pairs well with