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Refinance Your Car or Keep the Loan: 17-Formula Verdict Calculator — start free

A real excerpt cut directly from the full paid product, free. Not a teaser page: the download is the actual working material.

What this is: a working excerpt of "Refinance Your Car or Keep the Loan: 17-Formula Verdict Calculator", ready to use as-is. Cut straight from the finished product — same content, not a rewrite.

Refinance Your Car or Keep the Loan: 17-Formula Verdict Calculator
Refinance Your Car or Keep the Loan: 17-Formula Verdict Calculator — Starter Calculator (free slice)

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Real numbers, the same formulas the spreadsheet runs. Nothing leaves your browser.

Current payoff balance from your lender (call them, don't trust the app's 'balance')$ Current monthly payment, principal and interest only (leave out insurance)$ New APR you've actually been quoted (use the lowest real offer, not an ad)% New loan term in months (36, 48, 60, 72) Closing costs: title, lien recording, doc fee, plus any prepayment penalty$

Monthly payment drop$80.24

Months until the closing costs pay for themselves2.3

Live preview — 5 of the 9 inputs and 2 of the 6 results from the free starter’s own spreadsheet, running the same formulas. Nothing is sent anywhere; the free download gives you all of them in a file you keep.

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