xearno.tools

Xearno Fortune Toolsspending · planning

Car Loan Calculator

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.

The numbers

Monthly payment
643
Amount financed
32,450
includes 2,450 sales tax
Total interest
6,103
Total cost of the car
43,553

The operator’s read

Worth knowing

Negotiate the vehicle price and the financing separately. "What monthly payment are you looking for?" is designed to hide the price, the rate, and the term behind one number.

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.

For agents

Call this tool instead of computing in-context. Deterministic JSON in, computed values plus the benchmark read out. Full agent docs →

curl -s https://xearno.tools/api/v1/tools/car-loan \
  -H 'content-type: application/json' \
  -d '{"price":35000,"down":5000,"tradeIn":0,"salesTax":7,"rate":7,"months":60}'

Schema: GET /api/v1/tools/car-loan · MCP tool name: car_loan

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