01 THE FORWARD DECISION

Keep the car—or stop paying to store it?

A five-year model for your 2025 Volvo XC40. It separates equity from cost, so you can see when the loan goes right-side-up—and whether waiting is actually worth it.

YOUR CURRENT SETUP

Current payoff: $42,500
Payment: $737.79
APR: 0.99%
Parking: $300/mo

ILLUSTRATIVE CASE

Loading your decision model…

02 DECISION SNAPSHOT

What the numbers say now

Uses a working sale-value estimate until you enter a real net offer.

EXIT GAP TODAY —

Payoff minus a net sale offer

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POSITIVE EQUITY —

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TRANSIT BREAK-EVEN —

Average monthly spend over the horizon

Spend less than this and selling wins

EQUITY MOMENTUM —

Expected improvement next month

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03 THE CROSSOVER

Value vs. payoff

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9% is an illustrative base; 7%, 12% and 18% are sensitivity cases, not forecasts. Optional mileage sensitivity compares future driving with a 10,000-mile baseline.

04 FIVE-YEAR COST

Sell now vs. keep

Nominal dollars from today. Both paths end with no car and no car loan, making them directly comparable.

SELL NOW LOWER COST

— 5-year net cost

Payoff gap today: —
Transit + rideshare: —
Net cost: —

KEEP 5 YEARS HIGHER COST

— 5-year net cost

Remaining loan payments: —
Parking: —
Other ownership costs: —
Less ending equity: —
Net cost: —

BASE-CASE DIFFERENCE —

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05 YEAR BY YEAR

How the position changes

DATE	EST. MILES	VEHICLE VALUE	LOAN PAYOFF	EQUITY	PARKING PAID

06 MAKE IT YOURS

Tune the assumptions

MOST IMPORTANT INPUT Replace the working value with a real, net purchase offer.

Confirm Plus vs. Ultra from the VIN or window sticker—price alone does not identify the trim. Presets are rounded Edmunds clean-condition estimates at 12,000 miles/year with no selected options, accessed July 13, 2026; they are not offers.

Market + loan Net sale offer before loan payoff USD $ Current payoff USD $ Monthly payment USD $ Loan APR PERCENT %

Monthly life Parking USD / MO $ Transit + rideshare USD / MO $ Insurance USD / MO $ Fuel, service + fees USD / MO $

Projection Annual depreciation PERCENT % Current odometer MILES Future driving MILES / YR Optional mileage sensitivity USD / MI VS 10K $

Insurance and other car costs default to $0. This understates the cost of keeping, so any sell advantage shown before adding them is conservative.

07 WHAT'S IN THE MODEL

Method + market anchors

Actual payoff wins

The projection starts at your $42,500 payoff. The original $51,527.14 financed amount and $48,950 sticker are historical context—not inputs to today’s decision.

Principal is not a cost

Loan principal becomes vehicle equity. The forward economic costs are depreciation, interest, parking and operating costs, compared with transit and rideshare.

Market value is a range

Current estimates vary sharply by trim and sale channel. Refresh the lender payoff on the same day you get VIN-specific cash offers, then replace the preset.

SOURCES Edmunds trim/channel estimates + Ultra Bright curve ↗ iSeeCars model-wide age/residual study ↗ CFPB negative-equity guidance ↗

Planning tool only—not an appraisal, lender payoff quote, tax calculation or financial recommendation. Values are estimates and results change with your inputs.