Car Affordability Calculator
What car price fits your monthly budget?
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Your Results
Max loan amount$22,725.90
Max car price$25,725.90
Total paid (loan only)$27,000.00
A common rule: keep total car costs under 15% of monthly take-home pay.
Frequently Asked Questions
What percentage of income should go to a car?
The 15% rule: total car costs (payment, insurance, fuel, maintenance) under 15% of take-home pay. Many buyers stretch this — the calculator shows what your budget allows.
Is a longer loan term a good idea?
Longer terms lower the payment but add interest and leave you underwater on the loan longer. 60 months is the sweet spot for most buyers; avoid 84-month loans.
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