# Auto Loan Calculator — REST API endpoint `auto-loan-calculator`

Return the monthly car payment, total interest, financed amount, and a month-by-month amortization schedule for an auto loan. Accounts for down payment, trade-in value, and sales tax (optionally financed). Rate is a yearly percentage.

- Category: finance
- MCP server: https://mcp.findutils.com/ (Streamable HTTP, no API keys, 120 req/min per IP)
- REST endpoint: POST https://api.findutils.com/api/tools/auto-loan-calculator/execute (no API keys, 60 req/min per IP)
- Reference page: https://findutils.com/api/auto-loan-calculator/
- Same tool on the other surface: https://findutils.com/mcp/auto-loan-calculator/

## Call the endpoint (verified example)

```bash
curl -X POST https://api.findutils.com/api/tools/auto-loan-calculator/execute \
  -H "Content-Type: application/json" \
  -d '{
    "vehicle_price": 35000,
    "down_payment": 5000,
    "trade_in_value": 0,
    "interest_rate": 6.5,
    "loan_term_months": 60,
    "sales_tax": 8,
    "include_tax_in_loan": true
  }'

# Parameter schema
curl https://api.findutils.com/api/tools/auto-loan-calculator
```

## Input schema

| Argument | Type | Required | Description |
|---|---|---|---|
| `vehicle_price` | number | yes | Vehicle purchase price before tax. |
| `interest_rate` | number | yes | Yearly interest rate in percent (6.5 = 6.5%). Must be > 0. |
| `loan_term_months` | integer | yes | Loan term in months (for example 36, 48, 60, 72, 84). |
| `down_payment` | number | no | Cash down payment. Default: 0. |
| `trade_in_value` | number | no | Trade-in value credited against the price. Default: 0. |
| `sales_tax` | number | no | Sales tax rate in percent applied to the vehicle price. Default: 0. |
| `include_tax_in_loan` | boolean | no | Finance the sales tax in the loan. Default: true. |

Example arguments (verified):

```json
{
  "vehicle_price": 35000,
  "down_payment": 5000,
  "trade_in_value": 0,
  "interest_rate": 6.5,
  "loan_term_months": 60,
  "sales_tax": 8,
  "include_tax_in_loan": true
}
```

OpenAPI 3.1 spec: https://findutils.com/api/openapi.json · Interactive docs: https://findutils.com/api/docs/

## Also an MCP tool

```bash
claude mcp add findutils --transport http https://mcp.findutils.com/
```

Then ask the client to call `findutils:auto_loan_calculator`. Full MCP reference: https://findutils.com/mcp/auto-loan-calculator/

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