{
  "tool_id": "auto_refinance_break_even",
  "slug": "car-loan-refinance-break-even-calculator",
  "path": "/car-loan-refinance-break-even-calculator/",
  "mode": "url_api",
  "api_usage": "GET https://aifinhub.io/api/car-loan-refinance-break-even-calculator/?<params>",
  "sample_input": {
    "tool": "auto_refinance_break_even",
    "current_principal": 28750,
    "current_apr": 8.4,
    "months_remaining": 48,
    "current_monthly_payment": 708,
    "new_apr": 6.1,
    "new_term_months": 54,
    "refinance_fees_total": 650,
    "prepayment_penalty": 0
  },
  "input_schema": {
    "type": "object",
    "properties": {
      "tool": {
        "type": "string"
      },
      "current_principal": {
        "type": "integer"
      },
      "current_apr": {
        "type": "number"
      },
      "months_remaining": {
        "type": "integer"
      },
      "current_monthly_payment": {
        "type": "integer"
      },
      "new_apr": {
        "type": "number"
      },
      "new_term_months": {
        "type": "integer"
      },
      "refinance_fees_total": {
        "type": "integer"
      },
      "prepayment_penalty": {
        "type": "integer"
      }
    },
    "required": [
      "tool",
      "current_principal",
      "current_apr",
      "months_remaining",
      "current_monthly_payment",
      "new_apr",
      "new_term_months",
      "refinance_fees_total",
      "prepayment_penalty"
    ]
  },
  "output_schema": {
    "type": "object",
    "properties": {
      "currentTotalRemainingCost": {
        "type": "number"
      },
      "refinanceTotalCost": {
        "type": "number"
      },
      "netSavings": {
        "type": "number"
      },
      "breakEvenMonth": {
        "type": "number"
      },
      "currentMonthlyPayment": {
        "type": "number"
      },
      "refinanceMonthlyPayment": {
        "type": "number"
      },
      "monthlyPaymentDelta": {
        "type": "number"
      },
      "termExtensionWarning": {
        "type": "boolean"
      },
      "cumulativeCostTimeline": {
        "type": "array",
        "items": {
          "type": "object",
          "properties": {
            "month": {
              "type": "number"
            },
            "currentCumulativeCost": {
              "type": "number"
            },
            "refinanceCumulativeCost": {
              "type": "number"
            },
            "netSavingsIfRefinance": {
              "type": "number"
            }
          }
        }
      },
      "riskFlags": {
        "type": "array",
        "items": {
          "type": "string"
        }
      },
      "assumptionsEcho": {
        "type": "object",
        "properties": {
          "currentApr": {
            "type": "number"
          },
          "newApr": {
            "type": "number"
          },
          "monthsRemaining": {
            "type": "number"
          },
          "newTermMonths": {
            "type": "number"
          },
          "upfrontCosts": {
            "type": "number"
          }
        }
      }
    }
  }
}