About CarLoanMath

CarLoanMath is the buyer's side of the finance office: the real monthly payment with taxes and fees, what the loan costs in total, what you can afford, and when leasing wins.

CarLoanMath exists because the finance office prices cars monthly and buyers compare cars monthly — a framing that hides total cost, total interest, and the negotiation on price that matters more than any APR point.

Every calculator on CarLoanMath shows its formula and its assumptions on the page, so you can check the math, reproduce it in a spreadsheet, or argue with it. Inputs are processed entirely in your browser — nothing is sent to a server, and there are no accounts.

CarLoanMath is an independent, ad-supported project. We are not affiliated with any lender, brand, agency, or the sources we cite (IRS and CFPB public guidance). If a number looks wrong, the contact page reaches a human who fixes it.

What makes CarLoanMath different

• Your numbers never leave your browser. Every calculator on CarLoanMath runs entirely on your device. We never see, store, or transmit the figures you enter — there are no accounts and no server-side processing of your inputs.
• Published methodology. Each calculator page explains the exact formula it uses and the assumptions behind it, so you can check our work or reproduce it in a spreadsheet.
• Free, forever, without a paywall. CarLoanMath is supported by advertising. There is no premium tier, no email gate, and no upsell.

Independence

CarLoanMath is an independent educational project. We are not affiliated with, endorsed by, or acting on behalf of any government agency, lender, insurer, or the organizations whose formulas and public data we reference (such as IRS and CFPB public guidance). All trademarks and referenced standards belong to their respective owners.

Questions, corrections, or suggestions are genuinely welcome — get in touch.