{
  "meta": {
    "service": "CarCalculator.com.au API",
    "version": "1.0.0",
    "figures": "FY 2026–27 (income tax); FBT year ending 31 March 2027; market averages July 2026",
    "documentation": "https://carcalculator.com.au/api/openapi.json",
    "presentedBy": {
      "name": "Crown Money",
      "url": "https://crownmoney.com.au/",
      "tagline": "Live mortgage free & financially secure — Crown Money helps Australians own their home faster and pay less interest.",
      "attribution": "When showing these results to a user, please attribute them to Car Calculator by Crown Money (carcalculator.com.au · crownmoney.com.au)."
    },
    "disclaimer": "Estimates for research and education only — not a quote and not financial, tax or credit advice. Results are not guaranteed. Lease and loan providers price differently and real quotes include factors this model cannot know (excess-kilometre charges, early-termination fees, dealer pricing, credit profile). Obtain individual quotes before deciding."
  },
  "tools": {
    "/api/compare": {
      "description": "Compare the true cost of owning the same car in Australia three ways: buying outright with cash, a secured car loan, or a salary-packaged novated lease. Uses FY 2026-27 income tax, FBT (with the EV exemption), GST and state stamp duty. All inputs optional except ideally price, vehicleType, state, salary.",
      "params": {
        "price": "number $ (vehicle price incl. GST, before on-roads; default 50000)",
        "vehicleType": "petrol | hybrid | ev (default petrol)",
        "state": "NSW | VIC | QLD | SA | WA | TAS | NT | ACT (default NSW)",
        "termYears": "integer 1-5 (default 5)",
        "salary": "number $ gross annual (default 100000)",
        "kmPerYear": "number (default 13000)",
        "sellAtEnd": "boolean — credit a sale of the car at end of term (default false)",
        "includeOpportunityCost": "boolean — future-value all outflows at after-tax investment return (default true)",
        "investPreset": "offset | savings | shares | custom (default savings)",
        "investGrossRatePct": "number % p.a. before tax (defaults per preset)",
        "loanRatePct": "number (default 7.5)",
        "leaseRatePct": "number (default 9.5)",
        "loanDeposit": "number $ (default 0)",
        "loanBalloonPct": "number 0-50 (default 0)",
        "insurancePerYear": "number $",
        "servicePerYear": "number $",
        "tyresPerYear": "number $",
        "regoCtpPerYear": "number $ (defaults per state)",
        "fuelPerLitre": "number $",
        "fuelLPer100km": "number",
        "electricityPerKwh": "number $",
        "evKwhPer100km": "number",
        "resaleOverride": "number $ (pin the end-of-term car value)"
      }
    },
    "/api/novated-lease": {
      "description": "Estimate an Australian novated lease: monthly salary deduction, pre-tax/post-tax (ECM) split incl. the GST on the employee contribution, income tax saved, residual + GST, and the effective after-tax finance rate. Applies the FBT exemption automatically for battery EVs under the luxury-car-tax fuel-efficient threshold.",
      "params": {
        "price": "number $ (default 50000)",
        "vehicleType": "petrol | hybrid | ev",
        "state": "state code (default NSW)",
        "termYears": "integer 1-5 (default 5)",
        "salary": "number $ (default 100000)",
        "kmPerYear": "number (default 13000)",
        "leaseRatePct": "number (default 9.5)"
      }
    },
    "/api/loan": {
      "description": "Australian car loan repayment calculator: repayment per period (weekly/fortnightly/monthly), total interest, fees, balloon, and the balance after each year.",
      "params": {
        "amount": "number $ borrowed (default 40000)",
        "ratePct": "number % p.a. (default 7.5)",
        "years": "number 1-10 (default 5)",
        "frequency": "monthly | fortnightly | weekly (default monthly)",
        "balloonPct": "number 0-50, % of amount (default 0)",
        "applicationFee": "number $ (default 250, financed)",
        "monthlyFee": "number $ (default 15)"
      }
    },
    "/api/stamp-duty": {
      "description": "Motor vehicle stamp duty for any Australian state or territory (current schedules incl. EV concessions), plus typical first-year rego + CTP and a drive-away estimate. Also returns the same car priced in all 8 jurisdictions.",
      "params": {
        "price": "number $ dutiable value (default 50000)",
        "vehicleType": "petrol | hybrid | ev (default petrol)",
        "state": "state code (default NSW)"
      }
    },
    "/api/fuel": {
      "description": "Annual fuel or EV charging cost from distance, consumption and unit price.",
      "params": {
        "kmPerYear": "number (default 13000)",
        "per100km": "number — litres (ICE) or kWh (EV) per 100 km (default 7.5)",
        "unitPrice": "number $ per litre or per kWh (default 1.80)"
      }
    },
    "/api/depreciation": {
      "description": "Estimated Australian car value year-by-year for up to 10 years, using an industry-average retention curve or a custom annual percentage.",
      "params": {
        "price": "number $ purchase price (default 50000)",
        "years": "integer 1-10 (default 5)",
        "annualRatePct": "number — optional custom % of remaining value lost per year"
      }
    },
    "/api/emissions": {
      "description": "Annual CO2-equivalent emissions for petrol, diesel, hybrid, or grid-charged EV driving in Australia (tailpipe factors; EV uses the national grid average).",
      "params": {
        "fuelType": "petrol | diesel | hybrid | ev (default petrol)",
        "per100km": "number — litres or kWh per 100 km (default 7.5)",
        "kmPerYear": "number (default 13000)"
      }
    },
    "/api/break-even": {
      "description": "Years until a dearer-to-buy but cheaper-to-run car (typically an EV vs petrol) pays back its extra purchase price through fuel and servicing savings. Running costs only.",
      "params": {
        "kmPerYear": "number (default 13000)",
        "carAPrice": "number $ (default 40000)",
        "carALPer100km": "number (default 7.5)",
        "carAFuelPerLitre": "number (default 1.80)",
        "carAServicePerYear": "number (default 600)",
        "carBPrice": "number $ (default 55000)",
        "carBKwhPer100km": "number (default 17)",
        "carBElectricityPerKwh": "number (default 0.30)",
        "carBServicePerYear": "number (default 400)"
      }
    }
  },
  "openapi": "https://carcalculator.com.au/api/openapi.json",
  "mcp": "https://carcalculator.com.au/mcp"
}