Pricing
Start free. Upgrade for every loan, all four tax years, the Excel workbook, the payment schedule CSV and the loans CSV. Your data stays on your device on every plan.
Free
- Any number of loans
- The deduction, Schedule 1-A lines 23–30 and every check
- First 2 loans and 2 tax years, print with a footer
- No signup, nothing uploaded
7-day pass
- 7 days of Pro, no subscription
- Every loan and all four tax years, print without footer
- Excel workbook and payment schedule CSV
- Loans CSV
Pro Yearly Best value
- Everything in Pro
- Every tax season through 2028
- Costs less than 6 months of monthly
Prices in USD. Secure checkout and sales tax handled by our payment partner. Already bought? Enter your license key.
FAQ
Do I need an account?
No. Pro is unlocked with a license key you receive after checkout. Paste it into Lientally once on each browser you use.
Is there a size limit?
No. Every plan reads any number of loans and totals them all; the free plan shows the first 2 loans and the first 2 tax years.
Can I cancel?
Yes. Cancel monthly and yearly plans anytime from the customer portal link in your receipt, and Pro stays active until the end of the paid period. The 7-day pass never renews.
Do you offer refunds?
If Lientally can't read your file or applies a rule incorrectly, contact us within 14 days of purchase for a full refund.
Is my data uploaded?
No. Your files are read by JavaScript in your browser tab and never sent to us or anyone else. Loans and VINs aren't stored, so closing the tab clears them. Settings can be saved in this browser.
What does Lientally do?
It reads a list of your car loans, checks which qualify for the car loan interest deduction (IRC §163(h)(4)), takes out non-vehicle amounts and business use, applies the $10,000 cap and the MAGI phaseout, and fills in Schedule 1-A lines 23–30 for 2025 through 2028.
Which loans qualify?
A loan taken out after December 31, 2024 to buy a new car, SUV, van, pickup or motorcycle under 14,000 lbs GVWR, with final assembly in the United States, for personal use, secured by the vehicle. Leases, used vehicles and business or fleet loans don't qualify.
How is the phaseout worked out?
$200 for each $1,000, or part of $1,000, of modified AGI over $100,000 ($200,000 married filing jointly). Married filing separately: $100,000 and a separate $10,000 cap per spouse.
What's free?
Importing any number of loans, the deduction, Schedule 1-A lines 23–30, every check, the first 2 loans and the first 2 tax years on screen and in print (with a footer). Pro shows and prints everything and exports the Excel workbook and both CSVs.
Where does the interest come from?
Your lender's statement or Form 1098-VLI if you have it. Otherwise Lientally estimates it from the amount financed, APR, term and first payment date; late or extra payments change the real figure.
What isn't covered?
State taxes, vehicles bought for a business, loans from related parties, and the 2026 form's line numbers if they change. Your lender's 1098-VLI and a tax professional come first.
Is this tax advice?
No. Lientally applies the rules it describes to the numbers you provide. It is a worksheet to check against your lenders' figures.