Use CarLoanMath from your AI assistant

CarLoanMath has a free MCP server, so assistants like Claude, Cursor and ChatGPT can run the same car-loan maths as this site. No account or API key.

Server address

https://carloanmath.com/mcp

Streamable HTTP, no authentication. Open this page in a browser; point your assistant at the address above.

Claude

Claude on the web or desktop: Settings → Connectors → Add custom connector, then paste the address. Claude Code:

claude mcp add --transport http carloanmath https://carloanmath.com/mcp

Cursor

Add this to ~/.cursor/mcp.json (or .cursor/mcp.json in a project):

{
  "mcpServers": {
    "carloanmath": { "url": "https://carloanmath.com/mcp" }
  }
}

ChatGPT

Turn on developer mode under Settings → Apps & Connectors → Advanced settings, then create a connector with the address above and no authentication. Menu names can change between app versions.

Tools

calculate_auto_loan: Monthly payment, amount financed, total interest, total cost and cash due at purchase for one loan.
compare_auto_loans: Two to four loans side by side, for example 60 vs 72 months or two different rates.
max_vehicle_price_for_budget: The highest vehicle price that keeps the monthly payment within a budget, for one or more terms.
amortization_schedule: Principal, interest and remaining balance by year or by month.

Every tool also takes an optional country (a two-letter ISO 3166-1 code, default "US") and returns it with the result. Only the US is available for now; any other code returns a clear error.

Every result includes a link that opens the same numbers on carloanmath.com. Try asking: “What’s the monthly payment on a $32,000 car with $4,000 down at 6.9% for 60 months?”

Good to know

Same assumptions as the site: sales tax on the full vehicle price with no trade-in credit and no other state rules, at 0% the payment is the amount financed ÷ months, tax and fees are paid upfront unless you say otherwise, and total cost is cash due at purchase plus all payments. See the FAQ.
Requests are not stored beyond normal server logs.

Estimates only, not a loan offer.