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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)

Run it right here

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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What the free version cannot do

Every free refinance calculator shows you one thing: a lower monthly payment. That number is trivially easy to game, because stretching 44 months into 72 makes almost any loan look cheap.

Refinance Your Car or Keep the Loan: 17-Formula Verdict Calculator — $19.00

Get the full version

You already used the free version above — the paid file is the same thing, complete.