A computerized system for distributing an estimated monetary value of a used vehicle. The system comprises a server including a pricing engine which, for a used vehicle, identifies the seller of the used vehicle and a used vehicle retailer to which to offer the used vehicle, and determines a mileage and condition of the used vehicle. The server collects used vehicle sample data for different types of used vehicles, and generates a depreciation curve for each used vehicle type based on used vehicle sales data. It then groups each sampled used vehicle type with a set of similar depreciation curves into a depreciation segment, wherein the depreciation segment comprises a group of vehicle types that present a similar depreciation pattern, and matches the used vehicle of the seller to the depreciation segment, determines a monetary value of the used vehicle, and communicates the monetary value to the seller or the retailer.