Precise calculations
Compare flat-rate and reducing-balance financing with explicit currency precision and deterministic rounding.
About the app
Understand the full cost before you commit.
Kotse Car Loan Calculator gives car buyers and dealership teams a shared, transparent way to build, compare, and present vehicle financing estimates.
- Version
- 1.0.0
- Calculation mode
- Local and offline ready
- Currency system
- ISO 4217 precision
What Kotse does
Clear tools for better financing conversations
Each feature is designed to keep the underlying numbers visible and independently reviewable.
Auditable estimates
Review formulas, substituted values, intermediate results, and the rounding method behind major outputs.
Decision support
Compare loan terms, financing scenarios, affordability targets, dealer quotations, and early payments.
Currency aware
Use 16 supported ISO 4217 currencies with the correct two-digit or three-digit minor-unit precision.
Structured exports
Create branded PDF, PNG, JPEG, and print-ready reports from structured financial data.
Private by design
Calculate without an account. Saved scenarios stay in local browser storage and exports are created on your device.
Built for every conversation
Simple for buyers, structured for dealership teams
Dealership mode serves sales agents, dealership teams, and automotive professionals. It stays neutral across lenders, countries, currencies, and financing methods.
Car buyers
Estimate affordability, monthly payments, interest, fees, and total repayment without specialist terminology.
Dealership teams
Sales agents and automotive professionals can prepare, compare, present, and export vehicle-specific customer estimates.
Supported currencies
Localized amounts with explicit precision
Currency selection changes formatting and minor-unit rules. Kotse does not convert currencies or introduce an exchange rate into the financing calculation.
- AEDUAE dirham
- PHPPhilippine peso
- INRIndian rupee
- PKRPakistani rupee
- BDTBangladeshi taka
- NPRNepalese rupee
- LKRSri Lankan rupee
- EGPEgyptian pound
- USDUS dollar
- EUREuro
- GBPBritish pound
- SARSaudi riyal
- QARQatari riyal
- OMROmani rial
- KWDKuwaiti dinar
- BHDBahraini dinar
Privacy and security
Useful without an account
Core calculations run locally in the browser. Saved scenarios remain in versioned local storage, including any optional consultation context, and report files are generated on the device.
- Bounded validation for financial and text inputs
- No third-party analytics or advertising trackers in the current application
- No remote export service or currency conversion request
- No browser-exposed API secrets or private configuration
Developer
Ramon Logan Jr., opens in a new tab
Product design and engineering focused on accurate, auditable, accessible financial tools.
Open source initiative
Built for inspection, learning, and contribution.
Kotse software is available under MIT. Documentation and original informational content are available under CC BY 4.0. Third-party materials remain subject to their own terms.
Policies and disclosures
Know how the application should be used
Review the current versioned policies before relying on an estimate or report.