Trade-In vs Private Sale Calculator
Dealers typically offer 15-20% below private-party value on a trade-in. Enter what your vehicle is worth private-party to see the typical dollar gap before you decide.
Why trade-in offers are lower
A dealer taking your vehicle in trade has to recondition it, market it, and still make a margin when they resell it — or send it to auction for even less. That cost gets built into the offer. Selling privately means you deal directly with the next owner, so that markup stays in your pocket. The trade-off is time: a trade-in is done in one visit, while a private sale takes longer to find a buyer and requires the paperwork yourself.
Frequently asked questions
How much less is a trade-in worth than a private sale?
Dealer trade-in offers typically run 15-20% below private-party value. The gap covers the dealer’s reconditioning cost and resale margin, and varies by vehicle, condition, and local demand.
Is selling privately worth the extra effort?
For most vehicles, yes — the calculator above shows the typical dollar gap for your vehicle’s value. The trade-off is convenience: a trade-in closes in one visit, while a private sale takes longer and requires a bill of sale and, in some states, a notarized title transfer.
What do I need to sell my vehicle privately?
At minimum, the signed title and a bill of sale documenting the sale price, date, and both parties. See our full private vehicle sale checklist for the complete step-by-step.
Ready to sell privately?
Every state requires or strongly recommends a bill of sale for a private vehicle sale. Create yours in 3 minutes, or read the full private vehicle sale checklist before you list.