Gladius
LoadingFree tool · Desking ROI + F&I calculator
One deal, every line. Type in MSRP, acquisition, recon, floor-plan carry, selling price, trade allowance, ACV, and your F&I block. We compute front-end gross, back-end gross, trade P/L, and PVR live — then run three sensitivity probes so you know exactly which lever moves the needle.
Headline insight
Your PVR
$4,565 — above the band — exceptional.
Biggest lever right now
Hold price +$500 +$500
Rule-of-thumb bands: $1,500–$2,500 traditional · $2,500–$3,500 healthy with F&I · $3,500+ exceptional. Anchored in 20-year operator experience + Gladius pilot data, not a peer-reviewed study.
Vehicle & acquisition
Trade
F&I — gross when sold
Attach rates
Defaults are industry rule-of-thumb medians. Strong F&I shops live 10–15pp higher on VSC + GAP.
Live deal math
Trade P/L shown as the dealer-side number — positive on the row above means you over-allowed (loss against gross). Total PVR already nets it out.
Sensitivity probe
Each row re-runs the math with one variable nudged and shows the dollar impact on PVR. The biggest absolute delta is your highest-leverage move on this deal.
Numbers shown are computed live in your browser — nothing is sent anywhere until you submit the email form. Benchmark bands referenced here come from 20-year operator experience + Gladius pilot conversations across three live rooftops; they’re directional, not a peer-reviewed survey.