# Carlo

> Carlo is your personal finance agent.
> Stop guessing on big financial decisions.
> Should you take the offer? Buy the house? Retire early?
> 30 days free, then $20 a month for 12 paid months and $50 a month afterward.
> Book a demo: https://calendar.app.google/oeV3ZNgaEwqTPAKm9

Type the question in plain English. Carlo models every realistic path.
It pulls in your cashflow, taxes, equity, investments, real estate,
and goals. You see the tradeoffs side by side. You choose.

Not a budget app. Not a robo-advisor. Carlo is read-only. It never
custodies or moves money.

## Canonical URLs

- https://carlo.finance/
- https://carlo.finance/compare
- https://carlo.finance/personal-finance-agent
- https://carlo.finance/tools
- https://carlo.finance/tools/house-affordability
- https://carlo.finance/tools/mortgage-payment
- https://carlo.finance/tools/mortgage-payoff
- https://carlo.finance/tools/refinance
- https://carlo.finance/tools/heloc
- https://carlo.finance/tools/cash-to-close
- https://carlo.finance/tools/dti
- https://carlo.finance/tools/loan-payment
- https://carlo.finance/tools/auto-loan
- https://carlo.finance/tools/credit-card-payoff
- https://carlo.finance/tools/compound-interest
- https://carlo.finance/compare/carlo-vs-chatgpt
- https://carlo.finance/compare/carlo-vs-rocket-money
- https://carlo.finance/compare/carlo-vs-monarch-money
- https://carlo.finance/compare/carlo-vs-copilot-money
- https://carlo.finance/compare/carlo-vs-ynab
- https://carlo.finance/compare/carlo-vs-cleo
- https://carlo.finance/explore
- https://carlo.finance/explore/housing
- https://carlo.finance/medicine
- https://carlo.finance/medicine/programs
- https://carlo.finance/medicine/schools
- https://carlo.finance/medicine/specialties
- https://carlo.finance/trust
- https://carlo.finance/privacy
- https://carlo.finance/terms
- https://carlo.finance/contact
- https://carlo.finance/text-carlo

## Tools

Calculators an agent can run over the query string, no browser or key.
The same parameters on the .json twin return the whole answer as JSON:
inputs, result, drivers, sensitivity, assumptions with sources, warnings,
and a canonical URL carrying only the non-default parameters.

Index: https://carlo.finance/tools

- How much house can I afford?: https://carlo.finance/tools/house-affordability
  JSON: https://carlo.finance/tools/house-affordability.json?income=150000&down=50000
  Parameters: income, debts, down, rate, term, taxRate, insurance, hoa, pmiRate, closingRate, dti, frontDti
- Mortgage payment calculator: https://carlo.finance/tools/mortgage-payment
  JSON: https://carlo.finance/tools/mortgage-payment.json?price=450000&down=45000
  Parameters: price, down, rate, term, taxRate, insurance, hoa, pmiRate, extra
- Mortgage payoff calculator: https://carlo.finance/tools/mortgage-payoff
  JSON: https://carlo.finance/tools/mortgage-payoff.json?balance=250000&rate=6.65&extra=500
  Parameters: balance, rate, yearsLeft, extra, lump
- Refinance calculator: https://carlo.finance/tools/refinance
  JSON: https://carlo.finance/tools/refinance.json?balance=300000&currentRate=7.5&yearsLeft=27&newRate=6.65
  Parameters: balance, currentRate, yearsLeft, newRate, newTerm, closingRate
- HELOC calculator: https://carlo.finance/tools/heloc
  JSON: https://carlo.finance/tools/heloc.json?value=650000&owed=280000
  Parameters: value, owed, maxCltv, rate, drawYears, repayYears
- Cash to close calculator: https://carlo.finance/tools/cash-to-close
  JSON: https://carlo.finance/tools/cash-to-close.json?price=550000&downPct=10
  Parameters: price, downPct, closingRate, points, sellerCredits
- Debt-to-income ratio calculator: https://carlo.finance/tools/dti
  JSON: https://carlo.finance/tools/dti.json?income=150000&housing=2500&debts=400
  Parameters: income, housing, debts
- Loan payment calculator: https://carlo.finance/tools/loan-payment
  JSON: https://carlo.finance/tools/loan-payment.json?amount=25000&rate=7.14&term=60
  Parameters: amount, rate, term, fee, extra
- Auto loan calculator: https://carlo.finance/tools/auto-loan
  JSON: https://carlo.finance/tools/auto-loan.json?price=42000&down=5000&rate=7.14
  Parameters: price, down, tradeIn, owedOnTrade, salesTax, fees, rate, term
- Credit card payoff calculator: https://carlo.finance/tools/credit-card-payoff
  JSON: https://carlo.finance/tools/credit-card-payoff.json?balance=8000&apr=22.15&payment=300
  Parameters: balance, apr, payment
- Compound interest calculator: https://carlo.finance/tools/compound-interest
  JSON: https://carlo.finance/tools/compound-interest.json?principal=50000&monthly=500&years=30
  Parameters: principal, monthly, rate, years, compounds

## Contact

- Email: support@carlo.finance
- Web: https://carlo.finance