Car Affordability Calculator
How much car you can buy on a monthly budget
Shop by budget, not sticker price. Enter the monthly payment you're comfortable with to see the maximum car price and loan amount that fits.
Budget first
This works backward from a comfortable monthly payment to a max price. A common guideline is keeping your total car costs (payment, insurance, fuel) under 15–20% of take-home pay. Remember insurance and fuel on top of the payment.
Frequently asked questions
How much car can I afford?
Set a monthly payment you're comfortable with; this shows the price it supports. Keep total car costs under ~20% of take-home pay.
Should I include insurance in my budget?
Yes — insurance, fuel and maintenance are real monthly costs beyond the loan payment.