# CarLoanMath

> US car loan math: monthly payment, compare loans, max price for your budget, amortization. Free.

- name: com.carloanmath/car-loan-math
- version: 0.3.1
- connection class: unknown (unknown)
- trust: 58/100 flags: no-repository
- quality: 94/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.carloanmath%2Fcar-loan-math
- tools: https://api.protogrid.dev/v1/servers/com.carloanmath%2Fcar-loan-math/tools

**Not classified yet.** The remote endpoints have not been probed successfully, or the listing has nothing to connect to.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "car-loan-math": {
      "type": "http",
      "url": "https://carloanmath.com/mcp"
    }
  }
}
```


## Trust

- hygiene: 80
- liveness: 17
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website -unreachable(1 failures) +updated-1d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 94/100 (new)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list declares ttlMs 0, so clients re-fetch it on every use

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 2,663 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`, `stability.new_links`: tool history recorded for 1 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 4, about 2,663 tokens to load them all
- tool set hash: 5be7343d0763ff1807f2d6ca2136c827
- badge: [![protogrid quality](https://protogrid.dev/badge/com.carloanmath/car-loan-math.svg)](https://protogrid.dev/servers/com.carloanmath/car-loan-math)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://carloanmath.com/mcp (streamable-http, auth none, reachable false, uptime30d 0.6666667)

## Packages

_none_

## Tools (4)

- `amortization_schedule`: Principal, interest and remaining balance over the life of one loan. Yearly summary by default; period 'month' gives every payment (up to 120 rows). When optional inputs are omitted, the result includes assumed_defaults (the values actually used) and a short text line so you can call again with those parameters. assumed_defaults is omitted when every optional input was provided.
- `calculate_auto_loan`: Monthly payment, amount financed, total interest and total cost for one US car loan. Amount financed = price − down − trade-in + owed on trade-in; sales tax and fees are paid upfront unless tax_and_fees_financed is true, then they are added to the loan. total_cost = cash due at purchase + all payments (price + tax + fees + interest − trade-in + owed). Returns the inputs echoed back and a carloanmath.com share_url. When optional inputs are omitted, the result includes assumed_defaults (the values actually used) and a short text line so you can call again with those parameters. assumed_defaults is omitted when every optional input was provided.
- `compare_auto_loans`: Side-by-side comparison of 2–4 loan scenarios (e.g. 60 vs 72 months, dealer vs credit-union APR, more down). Each result has a share_url; differences are against the first scenario, plus which is cheapest overall and lowest monthly. When optional inputs are omitted, the result includes assumed_defaults (the values actually used) and a short text line so you can call again with those parameters. assumed_defaults is omitted when every optional input was provided. On this tool, assumed_defaults is per scenario; a top-level assumed_defaults is included only when country was omitted.
- `max_vehicle_price_for_budget`: Reverse calculation: the highest vehicle price whose monthly payment stays within monthly_budget, for one or more terms. Uses the same tax, fee, down payment and trade-in rules as calculate_auto_loan. Each row includes the check calculation and its share_url. When optional inputs are omitted, the result includes assumed_defaults (the values actually used) and a short text line so you can call again with those parameters. assumed_defaults is omitted when every optional input was provided.