{"slug":"car-loan","name":"Car Loan Calculator","category":"fortune","tags":["spending","planning"],"tagline":"Monthly car payment with down payment, trade-in, and sales tax — and the long-loan trap.","endpoint":"https://xearno.tools/api/v1/tools/car-loan","page":"https://xearno.tools/t/car-loan","description":"Auto loan payment from vehicle price, down payment, trade-in, sales tax, rate, and term — with the negative-equity warning the dealership finance office will not give you.","inputSchema":{"type":"object","properties":{"price":{"description":"Vehicle price","type":"number","minimum":0,"default":35000},"down":{"description":"Down payment","type":"number","minimum":0,"default":5000},"tradeIn":{"description":"Trade-in value","type":"number","minimum":0,"default":0},"salesTax":{"description":"Sales tax (%)","type":"number","minimum":0,"maximum":30,"default":7},"rate":{"description":"Interest rate (APR) (%)","type":"number","minimum":0,"maximum":40,"default":7},"months":{"description":"Term (mo)","type":"number","minimum":6,"maximum":96,"default":60}},"required":[],"additionalProperties":false},"methodology":["Amount financed = price + sales tax − down payment − trade-in, amortized at the APR over the term. Sales tax treatment varies by state/country (some tax the post-trade-in amount); this taxes the full price as the conservative default."],"usage":"POST https://xearno.tools/api/v1/tools/car-loan with a JSON body matching inputSchema."}