JOEY is the personal AI sales system for the individual car salesperson. It keeps every lead warm, replies in your voice, and runs your outreach, calls, texts, emails, follow-up, and compliance in one place.

JOEY is for the individual car salesperson who wants to be the top performer at their dealership, not for the dealership itself.

Does JOEY work with my CRM?

Yes. JOEY works alongside the CRMs dealerships already use, including Tekion and DriveCentric, with no rip and replace.

Is JOEY TCPA compliant?

Yes. JOEY respects TCPA quiet hours and honors opt-outs automatically across every channel.

Deal Math

GAP Cost Calc

What does the GAP Cost Calc do?

Show what GAP coverage adds to the payment and why it protects the customer. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

Try it now

GAP cost calculator.

Show the customer exactly how big their loan to value gap is, what GAP adds per month, and the one thing it actually protects against.

Vehicle price

The selling price of the car

Amount financed

Total loan with tax, fees, and add ons

Current market value

Depreciation

Value lost off the price so far

GAP policy cost

One time price of the GAP policy

Term

Loan length in months

Loan APR

The rate GAP is amortized at

GAP would cover

$10,000

You owe $10,000 more than the car is worth. If it were totaled today, GAP pays that difference so you are not stuck covering it.

Amount financed: $38,000
Less current value: -$28,000
Loan to value gap: $10,000
GAP added per month: $12

$700 rolled across 72 months at 7.5%.

GAP protects you only while the loan balance is higher than the car value, the upside down window. Long terms, small down payments, and rolled in negative equity widen the gap. If you have real equity, GAP may not be worth the cost. This is a guide, not a policy quote.

How to use it

Enter your numbers or details in the tool above.
Read the result instantly, no signup and nothing to install.
Use it live with your customer to build trust and move the deal.

Common questions

What is the GAP Cost Calc?

Show what GAP coverage adds to the payment and why it protects the customer. It is a free tool from JOEY for the individual car salesperson, and it runs right here in your browser.

Is the GAP Cost Calc free?

Yes. The GAP Cost Calc is free to use with no signup. JOEY also offers a full personal sales assistant if you want it to work your follow-up for you.

Who is the GAP Cost Calc for?

It is built for the car salesperson who wants an edge, not for a corporate rollout. The fastest closer is the one who can put accurate numbers in front of a customer on the spot. This tool gives you clean deal math in seconds.

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Want JOEY to do the work for you?

These free tools are a taste. JOEY is a personal sales assistant that works your follow-up, texts, emails, and call prep so you sell more every day.

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