Ford Z-Plan Pricing Calculator
Calculated Z-Plan Details:
Enter values and click "Calculate" to see your Z-Plan pricing.
Understanding Ford Z-Plan Pricing
The Ford Z-Plan is a special vehicle purchase program offered by Ford Motor Company to eligible family members of Ford employees. It allows these individuals to purchase new Ford vehicles at a pre-determined, discounted price, often significantly below the Manufacturer's Suggested Retail Price (MSRP).
How Z-Plan Pricing Works
Unlike traditional car buying where you negotiate with a dealer, Z-Plan pricing is a fixed, non-negotiable price set by Ford. The formula for calculating the Z-Plan price is generally based on the dealer's invoice price, with certain adjustments. Here's a breakdown of the typical components:
- Dealer Invoice Price: This is the price the dealership pays to Ford for the vehicle. It's the starting point for the Z-Plan calculation.
- Dealer Holdback: Ford pays a percentage of the MSRP (typically 3%) back to the dealer after the sale. This is designed to help dealers cover overhead costs. For Z-Plan pricing, this holdback amount is usually subtracted from the invoice price, effectively passing that saving on to the Z-Plan buyer.
- Advertising Assessment: A fixed fee (often around $750 for Ford) that contributes to regional and national advertising efforts. This amount is typically added to the Z-Plan price.
- Total Options & Accessories Cost: The cost of any factory-installed options or accessories you choose for the vehicle. These are added at their Z-Plan rate.
- Destination Charge: This is the cost of shipping the vehicle from the factory to the dealership. It's a non-negotiable charge that is added to all vehicle purchases, including Z-Plan.
The Z-Plan Formula
The core Z-Plan vehicle price (before destination and options) is often calculated as:
Dealer Invoice Price - (MSRP * Dealer Holdback Percentage) + Advertising Assessment
Then, the total Z-Plan price includes the cost of options and the destination charge:
Total Z-Plan Price = Z-Plan Vehicle Price + Total Options & Accessories Cost + Destination Charge
Benefits of Z-Plan
- Significant Savings: Z-Plan offers a substantial discount, often below the dealer's invoice price.
- No Haggling: The price is fixed, eliminating the need for negotiation and making the buying process straightforward.
- Transparency: The pricing structure is clear and easy to understand.
Important Considerations
- Dealer Fees: While the Z-Plan sets the vehicle price, it does not cover state taxes, registration fees, or any additional dealer-added accessories or services (like paint protection, extended warranties, etc.). These will be extra.
- Eligibility: Z-Plan is strictly for eligible family members of Ford employees. You will need a valid Z-Plan PIN to utilize this program.
- Availability: Not all vehicles or special editions may be available for Z-Plan purchase, and availability can vary.
Use this calculator to estimate your potential Ford Z-Plan savings based on typical pricing components. Remember that final pricing will be confirmed by your Ford dealer with a valid Z-Plan PIN.
Example Calculation:
Let's use the default values in the calculator:
- MSRP: $45,000
- Dealer Invoice Price: $42,000
- Total Options & Accessories Cost: $2,500
- Destination Charge: $1,500
- Advertising Assessment: $750
- Dealer Holdback Percentage: 3%
Step 1: Calculate Dealer Holdback Amount
Holdback = MSRP * (Holdback Percentage / 100)
Holdback = $45,000 * (3 / 100) = $45,000 * 0.03 = $1,350
Step 2: Calculate Z-Plan Vehicle Price (before destination/options)
Z-Plan Vehicle Price = Dealer Invoice Price – Holdback + Advertising Assessment
Z-Plan Vehicle Price = $42,000 – $1,350 + $750 = $41,400
Step 3: Calculate Total Z-Plan Price
Total Z-Plan Price = Z-Plan Vehicle Price + Total Options & Accessories Cost + Destination Charge
Total Z-Plan Price = $41,400 + $2,500 + $1,500 = $45,400
So, for this example, the estimated total Ford Z-Plan price would be $45,400.