Interactive tool
ROI Calculator
Estimate the return on an F&I product from both sides — the dealer’s economics and the customer’s expected value.
Your figures
Estimated dealer contribution
| Gross, twelve months | $486,000 |
| Net, twelve months | $427,680 |
| Reclaimed, twelve months | $58,320 |
The difference between the first line and the second is the part that never appears on a production report. See net product contribution for what else belongs in a full picture, including direct administrative expense this does not attempt to model.
Educational estimate only, built entirely from the figures entered above. It is not a quote, not a projection of any actual program, and not financial advice.
Who it’s for
Dealers evaluating products and advisors demonstrating value transparently.
What it does
Estimate the return on an F&I product from both sides — the dealer’s economics and the customer’s expected value.
What you’ll get
A two-sided ROI estimate: dealer contribution and customer expected value.
Two different questions
The dealer side is arithmetic on figures a store already has: price, cost, cancellation rate, volume. The difference between gross and net is the part production reports do not show.
The customer side is a break-even rather than an expected value, and that is deliberate. An expected value needs a claim probability, and no credible source for one exists here. Break-even needs no probability: it states what the product must cover to have paid for itself, and leaves the likelihood to the reader.
The cancellation rate is where the estimate is softest
Treating the reclaim as proportional to the cancellation rate is the standard simplification and it is a simplification. A contract cancelled in month two costs back far more of the commission than one cancelled in month fifty, so a book weighted toward early cancellations will do worse than this shows.
If early cancellations are common, that is itself the finding. Products cancelled soon after purchase usually did not fit.
What a full picture would add
Direct administrative expense, the cost of servicing claims in your own drive, and the effect of product performance on repeat business. Net product contribution is the fuller measure, and it usually reorders a lineup that looked settled on gross.
Learn the topic behind this tool
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Elite FI Partners can apply this analysis to your actual finance office once you’ve seen how it works.
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