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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. This Google Sheet runs 17 live formulas on nine numbers off your statement and returns the parts nobody quotes you: total interest both ways, the dollar cost of those extra months, your break-even in months, whether your balance even clears the 125% loan-to-value ceiling lenders use, and what you truly pocket if you sell the car before the loan ends. Change one input and all four tabs recalculate. Just launched.