CarLoanMath

npx add-mcp 'https://carloanmath.com/mcp'

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: Customize → Connectors → + Add → 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.